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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the information listed on my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX  credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX  credit limit XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Debt collection

Paramount Recovery Systems, L.P. sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from Paramount Recovery Systems XXXX L.P. was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called Paramount Recovery Systems at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through XXXX XXXX  ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.
Product: Debt collection

This Jefferson Capital system collection debt does not belong to me. They have yet to provide any valid documents bearing my signature showing proof this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$5200.00} THAT WAS OPENED AS FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Product: Credit card

This company has wasted over an hour of my time on the phone with no resolution. As a matter of fact, every time I have called Apple card services with very simple basic inquiries I am always on the phone for 1 to 3 hours. I called on XX/XX/year> and was on the phone with a representative named XXXX, who claimed that she was " not a mathematician '' so she was not able to help me in reviewing very basic information about my statement balance, even after I provided the information to her and went through it with her line by line. This included the amount of a purchase financed by Apple card, all of the payments that I've made towards the balance ( in installments ), and the daily cash value reward that I was supposed to have been given. With all things taken into consideration, my balance was appearing to be more than double what I owed, and was not mathematically adding up evenly, in accordance with the installment plan. It was very clear that something was not right, and the representative was not able to help me, nor did she try ; moreover, most of the time that I was on the phone with her, she had me on hold for almost that entire hour, without warning and without checking on me. There were also screaming children and people that were clearly not XXXX employees in the background of that phone call, thereby confirming that Goldman Sachs Apple card does not take the necessary privacy precautions with their work-from-home employees, who should be working in private spaces when handling sensitive financial information. Without my permission and without warning, XXXX transferred me to the fraud department, when I asked to speak with management. I spoke with the fraud department, who claimed that they are the next level of escalation when asking to speak with a supervisor and customer service. I explained my questions and unresolved concerns, and I was told that a manager would be calling me within XXXX XXXX XXXX  hours, including weekends, since they are open XXXX XXXXt is now XXXX  XX/XX/XXXX and I have not heard from anybody at apple. I did get an email this morning saying that " my issue is resolved '', when it is in fact not resolved. I have not had an opportunity to speak with anybody about my balance or to clarify it's accuracy or whether or not my rewards have been applied since they do not appear to have been. I would like to speak with a senior management team member at Apple card Goldman Sachs -- -- by phone -- -to discuss my questions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed a VALIDATION letter to a company trying to collect on a XXXX XXXX XXXX   bill. I have never in my life had XXXX XXXX XXXX for about 12 years I have been with XXXX. I asked for validation be sent to me with a signature of the owner of the account. I asked them to provide me within 30 days and if they could not provide the proper validation that they must cease and desist on all collections and remove any non validated information from my credit reports. I got a response and the letter is dated XX/XX/XXXX ( past the 30 days ) and all they sent was a copy of a bill, that I asked them not to send a " bill ''.

I want this collection agency to remove me from their system and remove all negative remarks on my credit files. Attached is what was sent an it is not VALIDATION!
Product: Credit card or prepaid card

I received as a gift a {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX Black Hawk Network , Inc ). On XX/XX/2021 I visited the company website at redeem.giftcards.com and successfully assign the dollars to the XXXX restaurant. I was to receive an email, which I never received. I looked in my regular email folder and my spam folder but I didnt find the email. 

I tried using the card at XXXX unsuccessfully. I wanted to file a complaint, but I could not find an email address to do so. The phone number of XXXX on the e-card does not provide any information on how to file a complaint. The website, redeem.giftcards.com reports that the dollars were assigned to a restaurant, but it doesnt indicated which one. 

I have no recourse but to file a complaint with government office of Consumer Finance.
Product: Credit card or prepaid card

On XX/XX/2023 I use my card at the XXXX in XXXX to get gas with a total of {$10.00}. Are use the card at the pump and everything seemed fine until last Friday, XX/XX/2023. I was at my childrens school helping out with play day when I received a notification that my card was overdrawn. Now I knew at the time that I had several hundred dollars in the account as I had just gotten paid a total of XXXX and I had some money already in the account prior. When I opened my app, it showed that several hundred dollars at a time were being taken out at a XXXX so I called reported it told them that I had the card in my possession and that I needed that money to pay my rent that day and they told me that there was really not much they could do. They sent me my new card but the money was held up for a total of 90 days they could not issue a credit. They said they could put in a hardship but it wouldnt guarantee anything. I called to try to ask them what the status was. They said we cant really offer any more information theres really nothing we can do. I really need help getting some sort of credit put towards it especially when it wasnt even a credit card its a prepaid child support card where the money was sitting there, and very obviously not used by me in this instance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian report number XXXX Was inaccurately reported that XXXX XXXX was not listed on my credit report. This inaccurate report was a blatant disregard for fair credit report under fcra. This inaccurate report hinders my ability to accomplish my credit goals.
Product: Credit reporting or other personal consumer reports

I observed that CREDIT KARMA has unlawfully placed over forty inquiries on my XXXX consumer report without any certifications of permissible purpose on file with XXXX, as lawfully required. What profits are being generated by CREDIT KARMA resulting from placing these inquiries on my consumer report? Within 15 days of this request of information and complaint, Im requesting that CREDIT KARMAs proper representative answer and submit to me the following : Provide that CREDIT KARMA has lawfully certified the permissible purpose for each and every inquiry placed on my XXXX consumer report. Provide to me the amounts gained from all securities that CREDIT KARMA ( and any Person and company on the behalf of CREDIT KARMA ) has profited from the use of my social security number and or other nonpublic personal information by providing accounting history as required under GAAP per the XXXX. NOTE : I am not asking for login information and reports, start dates or any other information for an account with CREDIT KARMA but rather the ledger for the accounting for gains, transfers and any date ( s ) securities were formed using my name, social security number and all other information that is pertinent to my identifiers. I am requesting this information within 21 days of this notice. As well, I am requesting that CREDIT KARMA pay me for each violation for placing these excessive inquiries on my consumer report for the maximum amount per inquiry, which is XXXX XXXX dollars per violation.
Product: Student loan

my personal and financial information was compromised without my authorization. the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit card or prepaid card

Received an unsolicited postal mail, and subsequently an additional " Don't Miss Out '' mailing, with an offering of a Citibank AA Platinum Select Credit card with a unique invitation number attached on XX/XX/XXXX with an expiration deadline of XX/XX/XXXX. XXXX bonus miles after requirements met, etc. 

THOUROUGHLY read every word on every side of the tri-fold mail piece and especially the terms and conditions and ALL fine print. Went to the referenced application website and put in the invitation number. Application form pre populated with the current and correct personal information. Went through the complete application process and was directed to read and acknowledge ( two mandatory check boxes ) that I had read and understood all terms and conditions and cardmember agreements. I had and did acknowledge. NO WHERE in this print and online application process does it disclose that the bonus mileage offer, of XXXX miles upon meeting the terms and conditions of {$4000.00} spent on qualifying purchases in the first 4 months of card ownership, would be NOT awarded to any person currently having, or have had, the same Citibank card within the previous 24 month period. I had heard of this from forums and blogs on the subject. I wanted to verify. 

So, prior to submittal, I further called the customer service line for Citibank credit cards at ( XXXX ) XXXX and spoke at length about this exclusion. The representative stated that this 24 month exclusion was standard policy but since the printed offer and personalized invitation number was sent directly to me, it may not apply. She referred me/transferred me to the over-the-phone application center. They said that the 9 digit invitation number did not register on their system even though it was valid on the dedicated application website. Could not answer any questions as to the omission and knew nothing of the policy. Escalated to XXXX, floor supervisor, employee number XXXX, who offered nothing further and said that it could not be escalated further. He wanted to complete the circle by sending me back to Citibank customer service. 

All this within an hour of XXXX XXXX. on XX/XX/XXXX. 

No disclosure or any mention of this exclusion anywhere at anytime in applying for this particular card through a direct solicitation by postal mail. If you didn't know it previously, you could be awarded the card, met the requirement for the bonus award, and receive NOTHING. 

Need to stop direct solicitation of previous card holders ( that Citibank had knowledge of ) with offers designed to bring them back under false, undisclosed, pretenses.
Product: Debt collection

The company Ad Astra Recovery Se is trying to collect a debt of {$560.00} that has a derogatory mark on my credit report. They are not licensed in the state of Tennessee to collect the debt and I want it removed from my credit.
Product: Credit reporting or other personal consumer reports

There are mistakes on my credit report related to unauthorized hard inquiries. In accordance with 15 USC 1681c-2, I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account NumberXXXXXXXX  Account Name : XXXXXXXX XXXX  Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Harassing calls. Calling family in a business debt that has nothing to do with me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called Capital One about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it Capital One 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.
Product: Vehicle loan or lease

Reported 2 late payments that were not paid late and were paid on time. XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Debt collection

I was called by IQ Data International In in XXXX WA on my cell phone in XX/XX/XXXX. I was told I owed {$74.00} for some debt from an apartment I had rented and vacated in XX/XX/XXXX. I asked why it was so late in the game I was being notified. I was only told the debt went to collection. I have never received any kind of notice in writing nor anything to show what I am being charged for. I had emails from the rental property after I left to confirm they received my keys in the drop box, and nothing more was said about owing any additional money. In fact I paid additional rent for 3 months because I did not renew or extend my lease. Now during the same month this debt was put on my credit record and will potentially harm my employment and security clearance. When I spoke to these people they mentioned a carpet cleaning which I then informed them I had paid to have it done when I moved in, and when I left, 3 people who helped me move witnessed the condition of the apartment and carpet which did not need cleaning. Also the management never informed me of any cleaning charges which normally are incurred when there is damage, etc. which there was none. I am very upset that there was NO written notice, NO advance notice, nor ANY written description and or bills, statements of charges the collection company is seeking almost a year after I have left the state and the area. I do not pay debts to unknown parties over the phone. This company took the liberty to state I owed money without anything in writing then slapped it on my credit report without any response or opportunity on my part to dispute or know just what I 'm being charged for with sufficient documentation and evidence.
Product: Credit reporting or other personal consumer reports

My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you
Product: Credit reporting or other personal consumer reports

These Hard Inquiries were pulled on my credit report without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im reaching out because I recently reviewed my credit report and found some incorrect information that needs to be addressed immediately. This information is simply not accurate, and its having a negative impact on my credit score. I did not expect to see this, and its important to me that my credit report accurately reflects my true financial situation.
Product: Debt collection

TrueAccord Corporation Dear Sir/Madam , Re : Cease and Desist Demand I, XXXX XXXX , am writing to formally demand that TrueAccord Corporation immediately cease and desist from [ describe the specific unlawful or unwanted activitye.g., " harassing me with repeated debt collection calls '' or " using my personal information without authorization '' ]. 

Your actions are in clear violation of my rights under [ mention relevant laws or regulationse.g., " the Fair Debt Collection Practices Act '' or " State Privacy Laws '' ]. These activities are causing undue distress and have been deemed both illegal and inappropriate. 

Accordingly, I demand that you : Immediately cease all [ specific actions or behaviors, e.g., " debt collection communications or use of my personal data '' ]. 
Refrain from contacting me further for any reason, unless required by law or with written consent. 
Provide written confirmation by [ insert a reasonable dateusually within 10-14 days ] that you have fully complied with this request. 
Failure to comply with this demand will leave me with no choice but to seek legal remedies, which may include filing a formal complaint with the appropriate regulatory authorities and pursuing legal action for damages and/or an injunction. 

Please treat this matter with the seriousness it warrants. I trust that you will comply with my request promptly to avoid further escalation. 

Should you have any questions or wish to discuss this matter, please contact me directly at XXXX ]. 

Sincerely, XXXX XXXX