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

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, i submitted a correction to my credit report to all 3 credit bureaus online & in letter form. Both, XXXX XXXX XXXX have fixed problem. However, to my surprise XXXX refuses. They closed my case, and I have have to resubmit online again. They are reporting an account with a balance of XXXX $ from Caine & WieneXXXX, which is negatively affecting my credit report for the last month.
Product: Debt collection

CREDIT CORP SOLUTIONS , INC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REFERENCE NUMBER ; XXXX Subject : Dispute of Debt and Request for Validation under the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir or Madam, I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 
Please supply the following information so that I can be fully informed : Proof that I am responsible for the debt Documentation showing that I am responsible for this debt : Please provide me with a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor. 

Details of the debt Breakdown of charges : Please provide me with a detailed explanation of the amount owed, including a breakdown of all additional charges, interest, and payments made. 
Last billing statement : Please provide a copy of the last billing statement sent to me by the original creditor. 
Amount owed at the time of transfer : Indicate the amount of the debt at the time you obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition. 

Name and address of the original creditor Identification of the original creditor : If this debt has been transferred or sold, please provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer. If the original creditor has another name by which I might know them, please include that as well. 
Transfer of the debt : Inform me when the current creditor obtained the debt and from whom they obtained it. 



Proof of your authority to collect this debt Documentation of your legal authority : Please provide proof that your agency has the legal authority to collect this debt on behalf of the current creditor. This should include any contract or agreement that grants you the right to act on behalf of the original creditor. 
Debt collection license in my state : Provide the details of your debt collection license in my state, including the date of issuance, the name on the license, the license number, and the contact information of the state agency that issued the license. 

Additional requested information Due date and delinquency : Indicate when the creditor claims this debt became due and when it became delinquent. Also, identify the date of the last payment made on this account. 
Statute of limitations : Have you determined that this debt is within the applicable statute of limitations? Please state when you believe the statute of limitations will expire and how you made this determination
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the XXXX breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

i suspected fraudulent inquires on my credit report. i did a though investigation on my credit report and i did not authorize these hard inquires. 

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
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiry on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Referencing case # XXXX U.S. Bank denied my fraud claim for account XXXX. I have a court ruling in my favor dated XXXX XXXX with XXXX XXXXXXXX XXXX XXXX. These loans were a direct deposit into U.S. Bank Account XXXX. I am requesting U.S. Bank reconsider and accept my fraud claim for account XXXX due to this recent court ruling. 


XXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX  - XXXX Acct - XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX - XXXX Acct XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX calls my phone every other day i tell them im at work they still call, i ask for debt validation and the representatives dont understand, they call me even when accounts are in dispute, they call and hang up when you call back its them, none of the three bureau 's XXXX XXXX equifax XXXX XXXX  are correctly investigating these charge off 's and collections, i pay % XXXX apr on car i couldnt get a house im a single father, i could apply for a home loan cause of this, and now the market has doubled, i need compensation, XXXX for violations and i need {$100000.00} from each credit bureau and all collections and charge offs removed, i lost the opportunity to do so many things in life im XXXX no house just because no one is actually checking these accounts, i live XXXX i coulda had a house if these bureaus did due diligence
Product: Student loan

I called Naviant many times over the years requesting student loan forgiveness information and they will not send me the forms or in any way acknowledge my 26 years of public service toward student loan forgiveness.
Product: Debt collection

Sent Portfolio Recovery a debt validation letter on XX/XX/XXXX to validate this alleged debt or remove same from the 3 major credit reporting bureaus. They sent me back a copy of an old XXXX XXXX bill. Sent them another debt validation letter on XX/XX/XXXX again asking them validate the debt or remove the item from the 3 major credit reporting bureaus. I received a letter dated XX/XX/XXXX stating claiming they had already sent a Universal Data Form electronically requesting them to delete XXXX, XXXX 's trade line for this account from my credit report to the 3 major credit reporting bureaus. As of XX/XX/XXXX this item still remains on my credit file with the 3 major credit reporting bureaus, XXXX, XXXX and XXXX. I have sent a copy of Portfolio 's letter to these credit reporting bureaus.
Product: Checking or savings account

I was charged overdraft fees because I was seeing that I had money in my account when it really wasn't there.
Product: Money transfer, virtual currency, or money service

I am trying to get some resolution to an error I made by accidentally sending {$12000.00}. ( via my Bill Pay by XXXX XXXX  ) to an way old chase visa  card that I had years ago. So there is no record of this account with Chase. 

{$12000.00} ach transfer to chase visa XX/XX/XXXX at XXXX XXXX XXXX XXXX from XXXX XXXX  checking XXXX the cc account number used was XXXX, The reason for this email is to express my disappointment with your company 's ability to aid me. 
I have the information of the EHC transfer, but both phone lines of both parties are of limited aid. 
Can you aid?
Product: Credit reporting or other personal consumer reports

Dear XXXX I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I enrolled a merchant offer for XXXX gas purchase in my Citi Dividend credit card in XXXX. It offered a {$10.00} back on a $ XXXX purchase at XXXX and the offer expiration date is XX/XX/XXXX. I made the purchase on XX/XX/XXXX and the transaction was posted on XX/XX/XXXX. I didnt get the offer bonus for the qualified transaction and the offer disappeared from either Enrolled or Redeemed in my account ( while I had a similar merchant offer for XXXX XXXX  XXXX purchase, it showed as Redeemed after the expiration date ). I tried to reach the Citi customer service either via online chat or phone. No one was able to explain why the offer disappeared from my account even I had an eligible purchase. In the attached document, you can see the offer was added to my account, with an expiration date on XX/XX/XXXX ( print screen on XX/XX/XXXX and offer expires in 11 days ). Another picture showed the purchase was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. A chat history is also provided, showing the Citi customer service representatives explanation that offer expired on the start of XX/XX/XXXX and my transaction was posted after the offer expires ( dialogues highlighted in the document ). This explanation makes no sense to me. I already spent a few hours with the Citi customer service and they refused to honor the {$10.00} credit, as advertised. I dont think Citi is willing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX 3. Chapter  XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX THESE XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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 remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/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

I sent a letter to  XXXX  requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Product: Credit card or prepaid card

To whom it may concern, I am writing you today as an aggrieved man. I applied for a secured DISCOVER card XX/XX/21 after seeing an advertisement on XXXX XXXX website. I was checking my credit scores and the ad popped saying I had a high chance of approval rating. I applied and got approved. I gave DISCOVER permission to debit my checking account for {$200.00} dollars as a deposit. DISCOVER withdrew the {$200.00}. I was contacted shortly after from DISCOVERS verification department. 

The representative wanted to verify I am who I say I am. I answered all the representatives questions and was verified. The representative advised me my secured DISCOVER card should arrive in a few days. I was then sent an email from DISCOVER card asking me to complete IRS consent form XXXX. I obliged and completed the form. Fast forward to XX/XX/21. I receive an email from DISCOVER card saying they closed my account effective immediately. DISCOVER is now claiming they could not verify personal information. 

I thought I was already verified multiple times. Didnt DISCOVERs representative advise me I was approved and verified? Didnt the representative advise me that my DISCOVERY card would arrive in a few days? What about my credit score? How is this going to affect my credit score? DISCOVER is also advising me they wont refund my {$200.00} deposit unless requested. Well, I am formally, requesting they refund my {$200.00} deposit post haste. Either by a deposit back into my checking account or if by check in overnight mail. 

I also request that the check be mailed to XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX. We have had mail stolen at my XXXX XXXX XXXX XXXX XXXX PA XXXX address. DISCOVER owes me a remedy for operating with bad business practices and truly in bad faith.
Product: Debt collection

I have received rude and threatening calls from a woman named XXXX who works for IQ Data ( XXXX ) She has called and harassed me for about 2 months about a debt that I do not owe. Calling my place of employment, speaking with employer and also calling my work phone numerous times. I do need this harassment.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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: Money transfer, virtual currency, or money service

I have been trying to work with paypal on my identity theft. XX/XX/XXXX, I was contacted by someone who stated they purchased shoes from a website, and was sent a receipt with my name, and information as the " seller ''. I looked more into it, contacted paypal, and found out that someone else had a paypal account using my social security number, name, phone number. This person so far has scammed 9 people that I know of, each of them have contacted me with very similar stories- they went on a website to purchase, and got a paypal receipt stating my name as the seller. 

When i first spoke to paypal, they told me to have the victims of the scam to file a dispute with paypal, and they told me they would start a ticket for the issue. 

I called two days later to find out no ticket was started for me, and funds were still going into the account, which now at this point had almost XXXX in there. It took them 5 calls from me for them to actually put a hold on the account. 

as of XX/XX/XXXX, the account is still open, they havent taken the inititive to close the account, and i have been contacted by 3 of the people that were scammed and they said paypal denied their disputes.

Paypal is not doing things right. These people got scammed, and I sent them the FTC and police report to show proof, and they are still denying claims against fraud. I have spent much time on the phone with paypal, i have gotten hung up on many times. This company is taking advantage of this situation, and it is not right!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with XXXX XXXX XXXX XXXX. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that XXXX XXXX has erroneously reported a XXXX late payment to all three major credit bureaus ( XXXX, Experian, and XXXX ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my credit score. 

Upon contacting XXXX XXXX, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on XXXX XXXX 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my credit score, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.