23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my third attempt to gather information about these accounts. Each time it has been not validated which is illegal. 

I am requesting the purchase agreement for these debts in my name. If this can not be sent to me you must remove your items from my credit report. You have 30 days.
Product: Money transfer, virtual currency, or money service

I had a permanent limitation put on my account and when I called PayPal, they said the money I had left in the account would go on hold for 120 days and on XX/XX/XXXX I would receive an email with instructions on how to transfer my money. So on XX/XX/XXXX, whenever I did not receive an email I called XX/XX/XXXX and told them I did not receive an email but my money was supposed to be released and the gentleman pretty much told me that I would have to patiently wait until I receive the email and I asked him if that means that it could be one day or 30 days and he just said yes, and I would have to patiently wait. Then I called the next day and the lady I spoke to informed me that I did receive the email on XX/XX/XXXX so I checked my spam folder and I saw it and I told her that it had no instructions and I was still faced with the obstacle of it, not allowing me to add my bank card or bank account to transfer the money and she said that she lifted the limitation on my account and on Monday that was three days away I would be able to log into PayPal add my bank card and withdraw my money. I asked her if she was 100 % positive she said yes and then on Monday it still didnt let me so Monday, XX/XX/XXXX I called again. The next lady I spoke to I explain the situation to her. She put me on a brief hold came back. Asked me if I could try again I proceeded it still did not work. She put me on hold for a second time came back to the line asked me to try one more time. I proceeded it still did not work. She then said she had to forward this to her back office team and I would receive an email from them in 48 to 72 hours. Well its been 72 hours and I still havent received and email. And Im tired of calling in getting the run around, and getting my time wasted. Clearly calling 3 different times and getting 3 different answers, is evident enough that no one knows exactly how to fix this issue, and my money will remain on hold under PayPal unjustifiably.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found errors tied to 15 USC 1681c-2. The listed hard inquiries were unauthorized and are harming my credit score. Please remove them as soon as possible.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and exquifax credit reporting agencies, 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 account opened at XXXX XXXX around XX/XX/XXXX account number # XXXX, an auto loan at XXXXXXXX XXXX XXXX around XX/XX/XXXX account number # XXXX and XXXX XXXX at Us departement of education around XX/XX/XXXX account number # XXXX, and a XXXX XXXX  Bankruptcy around XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports all collection activity related to said items cease pursuant to FCRA and FDCPA laws. 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: Vehicle loan or lease

Hello there. 
I am XXXX XXXX. 
I called my bank on XX/XX/XXXX to request a payment deferral. I got a call back from Ally on XX/XX/XXXX saying that I was approved for payment deferral. I proceeded with the payment on XX/XX/XXXX. When I was speaking on the phone, I was told XXXX different amounts that I need to pay to accept this. Okay, the last time I called I was told that I need to pay {$480.00} and the remaining needs to be paid by XXXX. 
Now the bank is saying that I'm late on a payment and need to pay for XXXX months, which is over {$3.00} Ally bank. 
Account XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items need to be disputed : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX LVNV FUNDING LLC account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Student loan

navient said nothing was their fault..mail is slow ... ... ... .they are cashing the checks sent 2 plus weeks after sent ... .i do not think the mail is that slow every time... .i think they are waiting to hit mw with a bunch of late fees
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and all inquiries listed IMMEDIATELY.
Product: Credit card or prepaid card

Earlier this year I had a family emergency that required me to be outside the USA for extended periods. In my absence, I had scheduled my Chase Visa payment to be automatically debited from my bank account. This payment was deducted from my checking account but not remitted to Chase by the bank 's processor. I contacted my bank and their automatic payment processor confirmed the payment errors were caused on their end. I inquired with Chase customer service who advised me earlier that this payment would not be negatively reported to the credit bureaus but I've discovered recently that it is being reported late. I have been a very loyal customer of Chase for over 15 years and never missed a payment. I made every attempt to make these payments on time and now I am being financially punished by Chase for the fault of another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Discover that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank You XXXX
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. BLOCK REMOVE AND DELETE FROM MY CREDIT FILE DNF ASSOCIATES {$1500.00} XXXX XX/XX/year> 2025
Product: Credit card

I received an unsolicited XXXX Cash App card in the mail that I didn't apply for. I have closed the account. I have concerns about identity theft and fraud. I called XXXX directly. They directed me to XXXX XXXX XXXX XXXX  was not able to view the Cash App account, but they acted as liaison to close the account. They sent me a confirmation of the account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to harassment me with validation request while Ive verified my identity and address on multiple occasions. Please know this is to be regarded as attached to my previous dispute submitted concerning this exact issue and reporting multiple reporting violations. Experian is furnishing fraudulent data and information attaching my information to items that arent mine allowing me to be more susceptible to identity theft. If Im requesting to remove information such as address and personal information that arent mine itsmy right to do so. This is my life, I do not give consent to Experian to furnish house or share derogatory false, fraudulent information meant to defame my character! Only validated, information that I consent to be furnished do I authorize to be displayed on my consumer report!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I do not owe any medical debt as my insurance pays it. This is inaccurate
Product: Credit card

Dispute of Charge for Non-Provided XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear XXXX Department, I am writing to formally dispute a charge on my Chase credit card account in the amount of {$2600.00}, which was charged by XXXX XXXX XXXX and XXXX XXXX for moving services that were never provided. 

Here are the details of my case : Initial Agreement and Payment : On XX/XX/year>, I received a total moving estimate of {$3300.00} from XXXX XXXX XXXX and XXXX XXXX for a move from one city to another. 
I made an initial payment of {$1600.00} on this date to confirm the service. 
Unexpected Price Increase : On XX/XX/year>, late in the evening, I received a call from the company informing me that the cost had increased unexpectedly. Under pressure, I paid an additional {$1000.00}, bringing the total amount paid to {$2600.00}. 
Scheduled Move and Miscommunication : On XX/XX/year>, I received an email confirming the moving schedule. 
On XX/XX/year>, I was contacted by XXXX XXXX XXXX XXXX, a representative of which demanded an additional {$12000.00} to complete the move. They threatened that I would lose the money already paid if I did not comply and used profanity during the interaction. 
The representative left without providing any moving services. 
Attempts to Resolve the Issue : I immediately contacted XXXX XXXX Moving and Storage to resolve the issue. They made various excuses, stating that the initial information provided was incorrect. 
On advice from my uncle, I contacted Chase Bank to dispute the charges, as the services were never rendered. 
False Claims by XXXX XXXX XXXXXXXX XXXX XXXX : On XX/XX/year>, I received an alert from Chase Bank indicating a balance due of {$2600.00}. 
Upon contacting Chase Bank on XX/XX/year>, I was informed that XXXX XXXX XXXX and XXXX claimed the move was completed. They falsely alleged that I had called to change the date and time of the move and had used profanity, which is entirely untrue. 
Based on the above facts, I assert that the charge of {$2600.00} is fraudulent. The moving services were never provided, and the company engaged in a bait-and-switch tactic, demanding additional funds under false pretenses. 

I request that Chase Bank reverses this charge from my account immediately and conducts a thorough investigation into this matter. Please find attached copies of all relevant documents, including the initial estimate, payment receipts, email communications, and my correspondence with XXXX XXXX XXXX XXXX XXXXXXXX. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution.
Product: Consumer Loan

Me and my husband opened an auto loan with Regional Acceptance Corporation XX/XX/XXXX and purchased a XXXX Pontiac Solstice for {$12000.00} at XXXX a month. We have previously paid a few payments late but have been catching up everything here in the last few months. We noticed that our balance has changed but {$1000.00} dollars and our payoff is more than what we purchase the car for. I have asked someone from Regional to call me and give me a break down of our payments and how it affects the interest and principal but no one has contacted me yet. We have paid almost {$10000.00} towards this vehicle and it should be about paid off but instead our balance has n't moved yet. We desperately need some assistance on how to file a complaint because I believe we will never get this car paid off as long as we are will this auto company. Please help us!!!
Product: Money transfer, virtual currency, or money service

I bank with Wells Fargo. I used their XXXX bank transfer to submit a security deposit of {$260.00} for an apartment. Unfortunately, I was scammed. XXXX, is not afford fraud protection by Wells Fargo. I feel this is a misrepresentation of their services. I bank with the intention of having my money protected in case of an emergency. I would like my {$260.00} refunded because it only took about an hour to notice the fraud.
Product: Credit card or prepaid card

I had a XXXX XXXX / Capital One account that was closed in XXXX. Now it says in XXXX that I have a 90 day in the year XXXX. This bill was sold to a collection company in XXXX or XXXX. This should not show up on as late now!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX 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

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Equifax XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

My addresses are wrong on my XXXX XXXX Transunion accounts. Im not, nor have I ever been associated with the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

the only address 's I've been associated with should be XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

please update and remove these addresses that has never been associated with me. 

My only telephone number is XXXX
Product: Credit card

Please see attached documents. In a nutshell, Card Benefit Services, on behalf of JP Morgan Chase Bank has refused to pay a valid claim for trip reimbursement expenses as set forth in the " Guide To Benefits '' associated with the Chase Sapphire Preferred Card. Each time I met their request for additional documentation, the representative would give another excuse as to why the claim could not be paid. This has been ongoing for the last 10 months.
Product: Credit reporting or other personal consumer reports

A company named XACTUS LLC pulled a hard credit report without my authorization on XX/XX/2023, this is affecting my credit score