23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute with Experian regarding new alleged collection account added from XXXX XXXX XXXX XXXX. Asked that collection be validated by collection agency producing a written contract proving the debt actually belongs to me. In less than 24hrs my Experian dispute was closed with out producing any contractual documents from XXXX XXXX. Experian did not do their due process in ensuring the claims from XXXX XXXX are in fact accurate. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that this is my debt.
Product: Credit card

Midland Funding LLC bought my XXXX XXXX {$6000.00} credit card debt ( Acct # XXXX ) from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have requested from all the junk debt collectors in writing to stop the collections calls, provide verification of the debt, and provide ownership of the debt. I received abusive telephone harassment calls from all the junk debt collectors on this account at the same time but I did not receive the written documentation requested. They ignored my do not call letter. 

Midland Funding through their lawyer, XXXX XXXX, filed the XXXX/XXXX/2016 lawsuit # XXXX against me. It was served at all hours of the day even at XXXX. The process server even contacted my neighbor and illegally disclosed the debt. 

Even after my filing bankruptcy on XXXX/XXXX/2016 Midland Funding has not closed the lawsuit against me. The court had to dismiss the lawsuit on due to Lack of Service. Midland Funding misuses the legal system with lawsuits that they fail to support and only as an harassment tool to deceive and defraud the debtor.
Product: Checking or savings account

They wont close my account. I have call several times and nothing its been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  Balance : {$630.00} ; XXXX XXXX  Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX
Product: Student loan

Mohela specifically told me that because of a widespread error on their system, XXXX and XXXX payments would not be collected and that $ XXXX monthly payment for that period would still count for PSLF. It now shows on my account that the periods in which they said I should not make a payment and it would still count- it now shows as " ineligible ''.
Product: Credit reporting or other personal consumer reports

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX pattern of making fraudulent claims against a victim of trafficking. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.
Product: Debt collection

On XXXX Comenity Bank contacted my children and my husband on their private cell phone lines, about my debt to Comenity Bank. Due to the pandemic, i have been unable to keep up. I find this a violation of my privacy, my children and spouse do not need to know my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TOYOTA MOTOR CREDIT XXXX Balance {$960.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

XXXX transferred money online to my daughter and son-in-law using XXXX option. 
I received a message to call in for verification. I called and spoke to a woman who asked me numerous questions and then she told me the transaction was released. 
My son-in-law received a text and followed the directions entering his card information for deposit. 
The transaction changed to ready for deposit on my end, but the money was not received. 
XXXX I called again and was told the transaction was being reviewed internally and to wait 24 hrs. 
XXXX still no deposit, called in again and was told it was still under review and to wait another 24 hrs. 
XXXX still no deposit, called again and was told still under review and to wait 24- 48 hrs. At this point it had already been over 48 hrs so the gentleman said I had to wait ANOTHER 24-48 hrs XXXX still no deposit, called and was transferred to a supervisor who then told me he released the transaction from being under review and filed a report to resolve the issue with some other department. 
He said I could not cancel as the money has already been sent and it could take up to 4 days before it is received. 
A money transfer that was supposed to be available in minutes will at that point have taken over a week to be received!! 
My receipt says date available was the date I sent, XXXX, but obviously it was not and every time I checked the transaction online it said " Ready for Deposit ''. 
I have spoken to at least 6 different people who could provide no answers!!! ( XXXX, XXXX, XXXX, XXXX ( XXXX ), and others I cant remember ) My daughter and son-in-law needed the funds that day and it was an emergency!! We are forced to have to drive 3 hours to take money to her so you have wasted my time and cost me more money in the end with the fee I paid and the cost of gas and time to take to them!! 
Had I known this was a possibility I would not have used the XXXX service. There was no disclosure at the time that this could happen with an opt-out option. 
The WORST customer service experience I have ever had. It made an already stressful situation even more stressful and upsetting!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Our lender is unable to pull our Equifax report. They are expecting us to pay {$16.00} to activate our credit report and score.
Product: Credit card or prepaid card

the issue involved protection of a computer purchased from XXXX. 
i had bought a computer from XXXX  a couple of years ago.when i first called and was instructed from XXXX XXXX  XXXX on phone to bring cable down and they said they will check it.so i drove to them and when i went into store they said we don't do that here.so then i drove to XXXX  XXXX  and they checked it and said it was fine.so i called XXXX  in XXXX and spoke to a person explaining i need a new computer so i brought everything to them.and said i need all documents transferred to new computer along with many disc and they said they would do that.after doing all this i was having the same problem with computer could not get on.it was the screen that they never checked.i ran back and forth to the store over 10 times spending over XXXX in gas and my time.in one of the time the guy told me it was fixed and needed to come down and put my password in.so i did and it was not fixed.i was XXXX.so i used my amx card so i would be protected and they did nothing! i sent them information in writing from store manager what they did not do to amx. 

i fought this for over two yrs and amx did nothing to help me with this problem.but the company XXXX  refunded me XXXX for what happen this is what amx should have done.after this amx wanted full payment of the whole bill when it was always monthly payment.then one day i get a call from someone saying we want payment from a collection agency.never received a letter and i am dealing with amx i did not no if this was a scam.so i have been making payment ever since this all took place did not miss payment i have all record of payments to amx. every month.on top of everything else on the statement it says i quote { this statement is for information purposes only.this is not a bill } THATS FRAUD THEY HAVE BEEN CASHING THESE CHECKS! AND THIS I BET HAS HURT MY CREDIT SCORE.THIS IS A VERY CROOKED COMPANY
Product: Bank account or service

Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score.
Product: Credit card

I received an email from Comenity Bank on XX/XX/year>, stating if I used my XXXX credit card then I would receive 30 % off my purchase instead of the normal 10 %. As shown in the email there is no code/barcode or expiration date. I have went to XXXX different locations on different dates and they refer me to contact XXXX. I contact XXXX and they say they have no record of sending me this email and I need to contact XXXX The email is from the financial institution not the store. Comenity Bank is very deceptive with this marketing email and it has made me look foolish in the store! They need to correct this!
Product: Credit reporting

I have been working with trans union on getting my credit report corrected. I contacted them to have them chage information about my student loan they are showing that therre payments but there are none until 2016. I have contacted the agency about my XXXX XXXX account the agent said they understood what i wanted to dispute and restated what i told them. I pulled a copy of my report today the acount was there and undisputed. The agants always seem to be impatient and rush you off of the phone or interupt you stateing the understand and will help you but then the dispute is undone or done incorrectly. Account termsCreditor name/info, balance, payment, etc. 


Account statusPaid bill on time, account closed, etc.
Product: Debt collection

This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with Experian, XXXX, XXXX. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to Experian Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at XXXX neither companies.
Product: Credit card

I have 2 credits cards with Chase. One is open and one was closed on XXXX XXXX, XXXX. On XX/XX/XXXX I was sent a promotional email from Chase to refer people for a credit card and I would receive a referral bonus of XXXX Up Rewards if the person was approved. 

I sent the referral link to someone and that person was approved for a card on XX/XX/XXXX. On XXXX XXXX, XXXX I sent a secure message asking about the referral bonus points. The Chase representative responded that it takes 8 weeks for the bonus points to post to the account. Between XX/XX/XXXX and XX/XX/XXXX I sent 20 secure messages to Chase representatives inquiring the status of my referral bonus points. 

On XX/XX/XXXX I received my paper statement for the credit card that was closed. The statement was sent to a wrong address. I had previously updated my address with Chase, and Chase didn't update my account with the correct account. 

On XXXX XXXX, XXXX I was told that it had been 30 days since my account was closed and I forfeited the points. I never received my statement showing the points because it was sent to the wrong address. Additionally, I was taking steps to get this resolved within a timely timeframe by messaging Chase XXXX times since XX/XX/XXXX. If it would have been resolved, I would have received the bonus points. 

I feel mislead in that this referral email was sent on XXXX XXXX, XXXX, for this account that had been closed on XXXX XXXX, XXXX. If I couldn't get these points after 30 days of account closure, then this was very misleading. Why would I receive this bonus opportunity if I couldn't receive the bonus? I would like my XXXX bonus reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report shows a hard hit from XXXX telephone services located 750 miles from where I live on Sunday XXXX I have called XXXX in XXXX XXXX Florida multiple times and they will not tell me if someone fraudulently used my info. to obtain services and or goods. I live in XXXX  XXXX Alabama 750 miles from XXXX. They also offer no help in removing the hard inquiry from my credit. Equifax also refuses to remove it even though they admit they do not believe someone who lives XXXX miles from a location would be attempting to get services in that location. Someone is using my info. or they searched the wrong # by error. I do not know which but neither company will help me. XXXX you understand does not offer services anywhere near where I live. And I certainly have made no trips or calls to this company. Please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there is an account that was erroneous. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}
Product: Credit reporting or other personal consumer reports

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
FLAGSTAR BANK , N.A . XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Product: Credit reporting or other personal consumer reports

I'm reaching out to dispute the reappearance of an account from XXXX XXXX XXXX on my credit report. This account had previously been removed after a dispute, so I was surprised to see it show up again without any notice. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ), I should have been notified about this re-insertion, but no communication was provided. 

Im concerned that this may not align with the FCRAs requirements for ensuring accuracy in credit reporting, as outlined in 15 U.S.C. 1681b. For clarity, Ive attached a partial of my credit report showing the account in question. 

I kindly request that this account be immediately deleted from my consumer report.
Product: Credit reporting

I would like to have the judgment for {$930.00} ( XX/XX/XXXX ), judgment for {$39000.00} ( XX/XX/XXXX ), and the judgment for {$2400.00} ( XX/XX/XXXX ) removed from my credit report as I was able to have done with XXXX.
Product: Credit card or prepaid card

My current minimum due was {$25.00} a month for my Jcpenny 's account. I submitted payments on time. Jcpennys changed the terms of my account without informing me in writing in XXXX XXXX. They then accessed late payments, which increased my monthly minimum payments. Despite my continuous payment of my account, I was still considered delinquent. I requested for my account to be removed from electronic statements. My account is still enrolled in that billing process. Electronic billing eliminates hard copies, which eliminated me receiving my updated terms. In addition to those issues the late fees caused my account to be reported delinquent on my credit report. I am expected to pay {$120.00} for a bank error on XXXX. My account was paid on time, but my terms were changed without proper written notice.
Product: Payday loan, title loan, personal loan, or advance loan

I am paying {$500.00} a month on a loan and in three months my balance has only gone down {$300.00}. I've been trying to pay this off for a while and they're telling me I have 106 % interest rate so it will be paid off in XXXX. I don't trust that they will consider my loan paid off by that time as the interest rate seems to keep my account at the same balance.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX account Affirm ID XXXX, has violated my rights. 
15 USC 1681 section 602 states have the right to privacy.

15 USC 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on account under an open consumer end credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act 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.