23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert that my credit line was reduced to XXXX for the credit buruea. I then called Tj max where I spoke to a representative XXXX ID # XXXX who stated it was due to missed payments. I stated to her that I had not missed payments but she stated that was the reason and we left it at that. I said at the end of the conversation wow I have not missed payments I think I I should close the account not worth having it open for XXXX line of credit. I never once told her to close it or gave her the authorization to close my account? The next day account was closed ... I called XX/XX/11 and spoke to XXXX she then transfered me to a supervisor XXXX ID # XXXX. I informed him to review the phone call since they are monitored he stated he would and would get back to me. Never heard back it is now XXXX I called the company to get an update I spoke to XXXX ID # XXXX who stated they had not yet reviewed call.
Product: Checking or savings account

Earlier this year, my savings account at XXXX was transferred over to Citizens, where it became their Online Banking checking account. I was not initially aware of this, as the account package was sent to my old address, but the new account had monthly fees and a lower interest rate so I did not want it. Four months ago on XX/XX/XXXX, I closed the account at Citizens, at which point I was told that " an official check in the names of all account holders will be mailed to the address on file within the next 5 business days. '' This check never came. I followed up on XX/XX/XXXX, and then XX/XX/XXXX. I have still not received the closing balance, despite assurances that I would. At this point, I have no faith that I will be made whole without issuing a complaint, and I believe I have been exceedingly patient in this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Its a buy now pay later site, I made XXXX purchases for items and they never showed up the website was deleted and I told klarna they refuse to refund my money, or get me the product..
Product: Credit reporting, credit repair services, or other personal consumer reports

As requested by the credit bureaus, Experian and XXXX please see attachment for additional relevant information concerning the following account. ( XXXX XXXX ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate reporting of my account with XXXX XXXX ( Account Number : XXXX ) on my credit report. The account is currently showing erroneous information, and I believe the reporting does not comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the following issues need to be addressed : Account Information : Company Name : XXXX XXXX Account Number : XXXX Contact Information : Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Issues : XXXX. Incorrect Payment History : My credit report inaccurately reflects my payment history with several entries marked as XXXX for payments from XX/XX/XXXX to XX/XX/XXXX, despite having made regular payments. 
XXXX. XXXX XXXX Reported : The payment amounts and actual payments listed for months such as XX/XX/XXXX, XX/XX/XXXX, and several others show XXXX payments, which is not accurate. I have consistently made payments towards this account as shown in the actual payment column ( e.g., XXXX in XXXX  2024, XXXX  in XX/XX/XXXX ), but these do not reflect accurately in the credit report. 
XXXX. Balance Reporting Errors : The reported balance of {$1500.00} on my credit report for the account remains unchanged across multiple months, including XX/XX/XXXX, XX/XX/XXXX, and several others. I have reason to believe this balance is incorrect and does not reflect the actual status of my account. 
4. Credit Limit Misrepresentation : While the credit limit is listed as {$5000.00}, no detailed breakdown of how payments impact the limit is shown correctly, contributing to confusion and incorrect reporting. 

Legal Basis for Dispute : This complaint is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - 1681x, which mandates that consumer credit reports be accurate and complete. Specifically : 15 U.S.C. 1681e ( b ) : Requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy in the reporting of information.

15 U.S.C. 1681i : Mandates that consumers have the right to dispute inaccurate information, and the credit reporting agency must investigate and correct or delete any information that is found to be incorrect.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that companies providing information to credit reporting agencies ensure the accuracy of the information. 
ormation remains incorrect. 

Desired Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the inaccuracies in this accounts reporting. I seek the following resolutions : 1. Correct the payment history and actual payment amounts listed on my credit report.

2. Update the balance to reflect the accurate amount owed, not the incorrect balance of {$1500.00}.

3. Ensure the payment history is accurately displayed with the correct amounts for each period, and no XXXX entries.

4. Request that XXXX XXXX comply with 15 U.S.C. 1681 - 1681x by updating and maintaining accurate credit information.
Product: Debt collection

The dates are XX/XX/20 the amount is {$860.00} : This account is not mine. the actions I have taken is contacting the collection agency, contacted the credit bureau and mailed a letter to the collection agency. 

When contacting the collection agency I informed them that this account was not mine. I had never had an account with the merchant. The agency had an address that I had never resided, there were several things that did not match my personal information. As I requested for them to remove the information, they informed me before doing so they will have to report to the merchant. I then asked for any information they obtained in their investigation such as applications, contract agreements signature cards etc.. I was told someone will call me back. I included that I have a right under the FCRA to be privy of any information regarding any derogatory items on my credit report. I have yet to receive a call back from anyone pertaining to this matter. I also made it clear that I have a personal statement included on my report that cleaarly states, before granting credit to contact me under the FCRA
Product: Debt collection

I hereby submit an answer to a lawsuit that is completely baseless. Midland Funding LLC is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the Midland Funding LLC lawyers XXXX, XXXX XXXX XXXX, XXXX, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.
Product: Credit reporting or other personal consumer reports

I DID NOT OPEN XXXX ACCOUNTS I HAVE POLICE REPORT FOR ALL THESE ACCOUNTS # XXXX. IS THE POLICE REPORT #
Product: Debt collection

Had an account with XXXX, closed account with payment in full. I sent back all equipment carefully packaged in their own container at my expense in 2010. One month later, I received a payment due notification of {$25.00}. I called XXXX billing and a supervisor stated that it was for their mailing labels and that I should have waited. I explained that I was not told this and that all equipment was sent expeditiously and that I do n't feel I should pay. After sending in numerous letters of dispute, I never received a response from XXXX and wrote letters to a collection company seeking a new balance. No response. I recently called XXXX with their Bundled services and XXXX is in the package and I was denied service due to the " outstanding '' balance with XXXX. I have attached my notes when I first had this problem of the mailing labels, back in 2010.
Product: Debt collection

I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts multiple times with all 3 credit bureaus yet they come back verified as accurate. How are they accurate if all 3 are reporting different dates last active, payment history, account status, and more? XXXX XXXX reports an account as last active on XX/XX/year> but has the date opened on XX/XX/year>. How? I do not have an account with these companies nor do I have any agreements written or verbal with them. No one can validate the debt or provide me with contracts.
Product: Credit reporting or other personal consumer reports

After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681b the consumer reporting agencies never asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to do furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy and have prevented me from funding for housing purposes.
Product: Checking or savings account

Capital One closed my bank XX/XX/2023 I've called to receive my check, but they keep hanging up the call when I try to get help to find out why I have not received my closed account check. So far, they have not done anything about sending me money.
Product: Prepaid card

" I am writing to bring to your attention an issue with an Amex Gift Card that I received from my place of employment. The card, which is worth {$100.00} and is digital, appears to be unusable. Despite several attempts, the card is being rejected by multiple companies, and each time I try to use it, fees in the form of cents are deducted, but the purchase is not processed. I have contacted American Express customer service for assistance, but the individual I spoke with was unable to provide a satisfactory resolution to the issue. I am currently awaiting transfer to another associate for further assistance. However, the customer care appears to be outsourced, and as such, I am having difficulty obtaining a resolution to the issue. I respectfully request a refund for the value of the gift card. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I notified Capital One and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.
Product: Debt collection

XXXX XXXX called from RAB to the apartment community with an outstanding invoice that we were in the process of disputing with our vendor. We were disputing the invoice with the vendor because no work had been completed and the invoice in question should have never been submitted to collections. ( I received confirmation that this was an error on behalf of the vendor ) The major issues with RAB is that they said they were calling as employees of the vendor XXXX XXXX XXXX ) and Failed introduce themselves as a third party collector over the course of several phone calls and emails. It wasn't until an " intent to XXXX  '' they served us that we realized they were debt collectors. They then called our corporate office on an almost daily basis and again never introducing themselves as a debt collector and stating they worked with the vendor. They also used threatening, loud, and abusive language with cursing to several of our team members in multiple interactions. Meanwhile we were communicating directly to them trying to dispute the invoice believing they worked for the company and their lack of communicating they were collectors has now put a strain on our relationship with the company that services our apartment communities. Lastly the first person who called claimed he was XXXX XXXX he was the one that was verbally abusive and threatening and using profanity. Afterwards someone else introducing themselves as XXXX XXXX also working for XXXX XXXX was calling and being amicable and respectful. We believe both XXXX XXXX and XXXX XXXX are the same person trying what can only be described as a " good cop, bad cop '' technique. The vendor has cleared up the invoice issue and settled the dispute as invalid. I have no issue with the miscue on the vendor. But I believe that the collector was using illegal tactics and violating other laws outlined here to try to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive one single response to the dispute letters I mailed out from Experian, XXXX, or XXXX, with 1 exception. XXXX sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX XXXX Consumer Date of Birth : XX/XX/year> 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 , 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 the following accounts : A personal credit card account opened at 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and 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 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

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

My Citibank checking account was compromised over 4 months ago and they decided to close it ; however, they never sent me my {$620.00} or the balance remaining. I have called them over 40 times only to be hung up on or placed on an eternal hold.
Product: Debt collection

I contacted XXXX  to cancel my monitoring services in XX/XX/2018. They did not cancel my service ( original creditor account # XXXX ) and continued to charge me for another month. At this point I cancelled my credit card. Even though I cancelled my card they continued to bill me for two more months and then charged me a cancellation fee, even though I was out of contract and had been using there service for 7 plus years. Now they have sent a collections agency after me claiming I owe them {$110.00}
Product: Credit reporting or other personal consumer reports

According to the FCRA EXPERIAN is in violation for reporting inaccurate information on my consumer report. Im asking that you properly investigate this concern and delete any inaccurate information on my credit profile.
Product: Prepaid card

Im trying to charge my card not working XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Discover Card asked me to pay credit card debt that I do not own. The card was created with identity theft, without my consent, shown on statement credit card created in XXXX. I did not ever involved in any transaction with Discover Card. I report the issue to the police on XX/XX/2020 after I received notification from Discover Card asking me to pay off their credit profile. I believe I should not be responsible for any transaction I did not authorize. However, Discover Card declined to take off the record after I contact Discover Card, for many times over the phone and mail.
Product: Money transfer, virtual currency, or money service

This is the continuation about my first complaint, because you closed my complaint or PayPal did. 

I just wan na clarify my account, did you really reviewed my account? Because you were saying in the last part of your letter that you're holding my funds.. " in an attempt to minimize loss due to reversals and other buyer complaint.. '' When I don't even have disputes on my account, if i had they were just 2 or 3 & they are already settled a long time ago. It seems like you are holding your customers accounts to use for your backup funds, whatever happens to your business. 

Last XX/XX/2022, PayPal sent me an email saying I can no longer do business with PayPal for violating their PayPal Acceptable Use Policy. 

When I started to use PayPal I never know about these XXXX, you must explain this to your users clearly. At least give them warning, not like this.. It's like a XXXX. You say, it is anti-fraud but you are the XXXX. 

I have an estimated balance of XXXX XXXX as of now, based on PayPal 's currency 's exchange.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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