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

Dear Consumer Financial Protection Bureau, CFPB XXXX XXXX XXXX  HAS PLACED INACCURATE, FRAUDULENT DEBTS ONTO MY CREDIT REPORT, AND ARE IN VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT. NEW RECEIPTS ARE BEING UPLADED, THROUGH NEW COMPLAINT, TO ENFORCE RETRACTION AND CORRECTION OFF MY CREDIT REPORT. XXXX XXXX IS DUE {$0.00} ( XXXX ), ACCOUNT CLOSED WITH XXXX  XXXX BALANCE IN XX/XX/year>, NEVER LATE WITH ANY PAYMENTS, NOR DELINQUENT WITH ACCOUNT FOR OVER 27 YEARS. 

BEST, XXXX XXXX XXXX MD PHONE : XXXX EMAIL : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES under no circumstances did I authorize or give my permission to pull or do a hard credit check on my credit report 30 or even 60 days prior to the dates below. Also, There is no signature from me to authorize this XX/XX/22. XXXX XXXX XXXX XXXX XX/XX/22. XXXX XXXX XX/XX/22. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with your company. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services.

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company.

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay.

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly.

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship.

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureau and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship.This is the accounts needs to be corrected : XXXX XXXX XXXX : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates , LLC from VA ( 3 accounts ) ; XXXX XXXX XXXX from XXXX  ( 1 account ) ; and XXXX XXXX XXXX from CA ; ( unknown amount of accounts ) are trying to collect on debt ( s ) and are not Licensed in the state of Michigan to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX, and Experian, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, a student loan account opened at US Dept of EDXXXX XXXX XX/XX/XXXX under the account number starting with XXXXXXXX Dept of education/XXXX XXXX XXXXXXXXXX/XX/XXXX under account number starting with XXXX, XXXX XXXX XXXX opened under account number starting with XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2600.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$740.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$680.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX a balance of {$270.00} that appears related to the aforementioned personal. Also inquiries from 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, PNC updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks.
Product: Checking or savings account

On XX/XX/XXXX I ordered merchandise from a website XXXX  based on an unsolicited email. Payment was made by e-check and withdrawn from my account on XX/XX/XXXX in the amount of {$110.00}. The merchandise was never delivered. About a month later I notified XXXX  that I never received the merchandise. They promised to reship but of course it never happened. Subsequently, I notified them that I did not receive the reshipment either and I requested a refund of {$110.00}. They promised a refund but of course it never arrived. On XX/XX/XXXX I notified the FTC that I was scammed and filed a formal complaint. FTC advised to call my bank and attempt to reverse the e-check. My bank informed me that it was too late to reverse the charge since their limit is 60 days after the transaction to undo an e-check. FTC then advised to contact CFPB.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX  {$320.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRIES NOT RECOGNIZED XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

I am writing to file a complaint regarding multiple overdraft fees applied to my account. These fees were taking even though I had the available funds in my account. However, due to delayed posting of charges and credits I was charged overdraft fees. This issue appears consistent with recent findings by the CFPB, whom identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially have funds. I think this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amazon store credit card was open back in XXXX  and purchase were made. Synchrony Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the Amazon store card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and on my credit report
Product: Credit reporting or other personal consumer reports

I have continuously disputed a fraudulent debt with Citizens Pay. I no longer contracted with the company due to their breach of contract against me. I disputed the information on my credit report that they are unlawfully reporting as a negative account and past due. I have called citizens pay and their third party XXXX equipment to cancel the contract and take all the equipment back per their contracts. They failed to allow me to close and refuse all contracts and are negatively reporting on my credit file. I do not owe this company anything since my attempted cancellation of their product and service due to the continuous breach of contract. This needs to be removed off my credit file and they need to come take the equipment back since I do not owe this corporation anything and they should not be impacting my credit due to their fraud. They are practicing deceptive practices and fraudulently reporting to my credit file. This account must be removed off the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I received a bill from Online Information services for a debt that had incurred from XXXX of 2021 from an energy company- XXXX XXXX based in North Carolina XXXX I had never living in North Carolina nor have I ever requested the services of XXXX XXXX. The bill was for {$860.00}.
Product: Debt collection

The following account is a result of FRAUD ... and Identity thief, I have already filed a disputes with the XXXX major credit bureaus. 

Amsher Account # XXXX pursuant to 15 U.S.C. section 602 A states I have the right to privacy ... ... also it states under 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written consent ....
Product: Credit card

I was scammed out of {$5000.00} plus and have disputed this matter with chase and they refuse to take into consideration the evidence that I sent in to confirm that the purchase from XXXX XXXX  was a scam along with evidence showing it was a scam on my XXXXXXXX XXXX XXXX XXXX. Chase is not helping me with this matter in fact they are refusing to reinvestigate and I should not be on the hook for a XXXX XXXX  purchase that I got nothing for which is against the law.
Product: Credit reporting or other personal consumer reports

From XXXX to XXXX of XXXX my personal information was stolen and misused while XXXX XXXX XXXX. Multiple accounts have been opened without my consent. I have asked these agencies to provide me with the original signed contract so I can validate my signature and I was only provided with past due bills.
Product: Debt collection

So this company by the name of DRS, " Direct Recovery Services '' called in regards of a debt I owe from a online payday loan called Cloud Lending. I do n't remember if I did get a loan from them. But they had called saying I owe this amount. I do n't if this debt is true and I never received a letter verifying the debt. This DRS ( Direct Recovery Services ) does n't have a physical address. All they have is a PO box address in XXXX different states. They sent an email for me to sign to authorize to make payment through internet program XXXX. I have n't received a letter from this debt collection for my to verify this amount owe. They claim they do n't have to.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a {$500.00} loan with My Quick Wallet have XX/XX/2023. They started out taking around {$90.00} per week from my account, then offered me $ XXXX {$270.00} more a few months later and I accepted it, so they have been taking {$180.00} from my account every week and {$200.00} some weeks, causing me extreme hardship and overdraft fees every week. I don't make much money as it is and I still have to feed my family and pay my bills. I have XXXX off notices every month. I told the via email multiple times they're taking too much and I can't even afford groceries on a week a bill is due. I don't understand terms and percentage rates and never realized how much they were going to haunt my life. There is no end to payments either. I asked them to no avail and looked at my online account and there's a withdrawal date every week for a year and no sign of completion. This isn't right, they're literally robbing me and causing me so much stress and problems I don't know what to do. I've paid back so much more than I borrowed, around {$5.00} or $ XXXX at least, already. A few weeks my check didn't take me out of the hole and they didn't get their money, so they keep on taking my money and sending me texts and emails about being behind on my payments.. How can this be legal. Someone needs to do some investigating on these guys. They're making poor people poorer. I feel like I work just to pay Quick Wallet. I would appreciate any feedback and assistance getting these thieves out of my life so I can finally live and breathe again. Thank you for the opportunity to be heard. This has been a traumatic experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX  : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ALLY FINANCIAL ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. 
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. 
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as XXXX Form of opt out notice to consumers ; opt out methods, with said company " DISCOVER '' I the consumer have given notice for Discover to discontinue reporting & selling of my information to third partiesl ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute for inaccurate names on my reports addresses that I am not living at to all three agencies. I also did this process in XXXX of XXXX and was put back on my Experian report. I enclosed documentation providing proof of my identity, and current address, as instructed to do the website. The three agencies have not removed the incorrect names and addresses.
Product: Checking or savings account

There were four unauthorized charges on my account totaling {$3600.00} all from the same merchant XXXX. I investigated and was able to find photo evidence and tracking numbers of unknown shipments delivered to someone elses door regarding this transaction. Chase received documentation showing unknown door in photos missing an apartment number. Chase Restricted and locked me out of all my accounts for trying to get this matter resolved quickly. I am so saddened that this has not been handled correctly and my funds have not been credited. I did not receive any merchandise or service as a result of all unauthorized transactions from XXXX.