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

I am writing to you today to once again dispute the accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the banks and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving several phone calls from Patenaude and Felix. I get them all day everyday. I have inform that I am not allow personal calls at work. Even after telling them this they still keep on. This is a form of harassment and it needs to stop NOW. There are laws against this kind of thing and I don't see why they can get away with. I know that if I say stop calling they must stop, guess they don't understand the word STOP!!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems with credit reporting due to inaccurate misleading information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A : States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Sec. 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX FIRST FEDERAL CREDIT C XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT C XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

My name is XXXX XXXX, I recently had a series of unauthorized foreign transactions, signature transactions from XXXX. I am in Florida, have been in Florida for going on 12 plus years now I have never left Florida. They some of {$1000.00} was taken out of my account without my permission. I was sitting in my bed at night watching my bank account as someone repeatedly charged my account {$13.00} over and over and over. I actually had to get up out of bed and run to the ATM and pull out as much of my money as I could before it was all gone. I've filed a complaint with my bank and they told me that I had to wait 10 days before they would issue the funds temporarily. Today is the XXXX day, the XXXX of XXXX. They told me that I would have my funds today and again now they're telling me that I could have to wait 45 to 90 days. I don't have a lot of money now I have late fees I can't pay my rent so not only am I missing {$1000.00} for my bank account I have to come up with XXXX different late fees and this is a nightmare. My bank is with NetSpend XXXX XXXX. Do not get any sort of account here. I have had several issues with this Bank and this most recent issue is way over the top. I've had an account here for going on 2 years now.
Product: Payday loan, title loan, or personal loan

They gave me a payment schedule n the amounts in writing prior to me signing up with them! I told them I get my SSDI on the XXXX each month n their payment schedule reflected that! I made the 1st payment ahead of time, thinking that I set with them! They changed the dates of my first payment to the XXXXh after being very clear about my payment dates!
Product: Debt collection

Kings Credit Services, Your recent email is a clear attempt to shift the burden of proof onto me, using manipulative tactics to twist my dispute and demands. You request receipts from me, despite my initial request for them, and ignore the irrefutable photographic evidence I provided. My photos, dated and timestamped, show the carpets were brand new upon move-in and just as pristine upon move-out. The landlord 's futile attempt to dodge my request for evidence of the carpets needing shampooing, coupled with their failure to render any receipts as demanded in my dispute, constitutes an explicit admission of their lack of proof. This charge is thus null and ridiculous. 

I also provided a photographic copy of my 30-Day Notice, typed, signed, and dated, which was accepted by the manageXXXX of XXXX XXXX XXXX main office on XXXX, XXXX XX/XX/2023. I have been professional and responsive in my dispute, yet met with stalling and dismissiveness. 

I demand : Resolve my dispute and close this account Remove the false debt from my credit report immediately Accept my evidence and acknowledge the facts Failure to do so will be met with further action and exposure of your unethical practices. 

Sincerely, XXXX XXXX
Product: Mortgage

I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I opened a dispute claim with XXXX and XXXX for the creditor. The XXXX XXXX XXXX XXXX XXXX XXXX. The amount they are charging is incorrect. We moved out on the dates that they are charging for. My husband disputed the claim on his credit report. It is not on his credit report. I was a joint owner. My husband disputed the claim first. I was not aware that the claim was on my credit report as well. I am not sure why this amount is on my credit report if it is not on my husbands and he disputed it. I provided evidence from the apartment manager at the time stating that we ( my family and I ) moved out of the apartment complex before the dates they are changing us. I called XXXX and they were of no help. The letter from the apartment manager at the time should've been sufficient for removing the claim off my credit report. It is not on my husband 's credit report.
Product: Credit card

I am writing to let you know of the " shady '' business practice by American Express. 

On XXXX I signed up for an American express gold card, in order to receive the miles. After receiving the cards in the mail, I was informed that since I was a previous card holder of American express ( 3 years ago ), I was n't eligible for the points. 

I requested that she close my cards, which she did immediately. Customer agent then informed me that since I did not qualify for the miles/ bonus, that also affected my card membership. Now, I was responsible for the XXXX $ annual fee. I am positive they bury any reference to this exception in fine print, and never at any point did they inform me of this exception. 
Furthermore, the customer service rep told me that my APR would be % 15, since I did n't qualify for the promotion, it was supposed to be XXXX. On top of that, they still allowed me to open the credit, without informing me until the credit card was open? 
Now, if I do not pay they will fine me and this blemish will hurt my credit. 

1 ) Is there no protection for the " common man ''? 
2 ) At what point does the ability of Big business to manipulate the common man become a form of racketeering? 
3 ) How much money is made touting these shady promotional offers? 

I XXXX, to come home to this kind of treatment? I am asking that you stop American Express from this fraudulent practice. 

Futhermore, I contacted my congressional office and they pointed me to CFPB. 
respectively XXXX XXXX XXXX American Express card #
Product: Prepaid card

( XXXX ) Prepaid card does not work : I was gifted a VanillaGift.com VISA gift card activate with a {$100.00} value. Per the Cardholder Agreement I tried using the card to pay for transactions at several in-person merchants/stores, but the payment was consistently rejected. I then tried using it at various online merchants ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, etc. ) and the payment was also rejected. 

( XXXX ) Customer service to resolve the issue is circuitous and nonexistent : On XX/XX/24 I tried calling the customer service phone number listed on the back of the card and in the Cardholder Agreement ; this phone line directed me to a lengthy automated menu that kept me going in circles and did not point me to either ( a ) how to reach a live customer service representative or ( b ) an actual answer on why the card was being rejected and how to reconcile. The information given over and over is that " your card was most likely declined due to security and safety measures... use your card in-person or at a different merchant online '', which is what I did and was unsuccessful at using the card for payment. Furthermore, the instructions given by VanillaGift.com say to use my own billing address/zip code and that they are unable to change/assign a zip code -- but several merchants have said the zip code is incorrect. Furthermore, according to VanillaGift.com FAQ and the automated phone line, the company says that customers can report an issue online -- however, it is only possible to track an existing issue, not to submit one ; to submit one the website says to call the customer phone line which is just an automated menu. 

VanillaGift.com clearly wants to make it difficult for customers redeem the value of the gift card, and does not make a reasonable effort to provide customer service to resolve issues. I just want to be able to redeem the full value of the gift given to me ( {$100.00} ) or to receive a refund for the value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received mail from a P.O. Box from XXXX, MI Saturday XX/XX/2020 that stated 'Driving License Suspension Request/Claim Settlement Offer ' from Recovery Partners LLC ( Arizona company )  stating I did not have valid insurance or provide valid proof of insurance on my vehicle during an minor auto accident which occurred XX/XX/2020. The statement made by Recovery Partners LLC is  absolutely FALSE. Recovery Partners LLC notice of claim settlement stated I owe {$2000.00} and they will contact the DMV of residence I live in ( CA ) to have my license suspended. Recovery Partners said if I pay now to resolve the settlement in full of {$2000.00}, they will give me a 'savings ' of {$680.00} or pay full amount at {$2700.00} by payment plan. 

Accident has already been settled by my insurance and her insurance early XXXX ( XXXX Select-the company that said Collections Agency they are collecting debt on behalf of ). I had insurance and have all proof of insurance. Both insurance companies have already taken statements and the case has been closed. I did not receive any estimates from collision companies, cases/judgements, subpoena to appear about accident, or any contact from the other party in accident or their insurance XXXX or anything regarding further actions involved in said accident stating the specific amount that Recovery Partners LLC states that I owe. I recieved a final case closure/determination notice from my insurance XXXX and other party insurance XXXX sometime ago early XXXX, nothing stated any amounts owed or anything of that nature. I did have insurance at the time of the accident however and have evidence to prove such. 

I will be contacting her insurance XXXX Monday XX/XX/2020 with the claim number provided by Recovery Partners LLC to ask if this is true and if they work with Recovery Partners LLC and why didn't I receive additional info in regards to any amounts owed or due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 {$110.00}, XXXXXXXX XXXX XX/XX/2022 {$2900.00}, XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This correspondence is to notify TRANSUNION that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title ''. TRANSUNION is not maintaining reasonable procedures. Please see attachment for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting causing damage to my reputation. 

Provide the documentation requested OR delete these items before that time or I WILL FILE FOR LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Openroad Lending ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Openroad Lending is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Entries from Affirm , Inc .

Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate credit report entries from Affirm, Inc. that have been reported to my credit file. Specifically, I have discovered five accounts from Affirm , Inc. reporting late payments dating from XX/XX/XXXX to the present. I am concerned that these entries are fraudulent, as I have never opened any accounts with Affirm , Inc . 
Upon reviewing my credit report, I was alarmed to find that these accounts were linked to my personal information, and late payments have been reported that I did not incur. I believe that my personal identification ( ID ) has been compromised, and that someone may have opened these accounts fraudulently in my name without my knowledge or consent.

I have already attempted to resolve this issue directly with Affirm , Inc., but unfortunately, my efforts have not resulted in any resolution or assistance from the company. Additionally, I have contacted XXXX, one of the major credit bureaus, to dispute these entries and provided them with all necessary documentation to verify my claims. However, despite these efforts, the accounts remain on my credit report. 
I would like to formally request that these accounts be deleted from my credit report, as they were opened without my consent and I did not authorize any third party, including Affirm , Inc., to share my personal information. As a consumer, I am entitled to have accurate and fair information reported about my credit history, and I am requesting that you assist me in rectifying this matter.

Please investigate this situation promptly and ensure that these fraudulent accounts are removed from my credit file. I have attached relevant documentation, including my dispute correspondence with Affirm , Inc., and my communication with XXXX, to support my case. 
Thank you for your attention to this matter. I trust that you will take the necessary steps to protect my rights as a consumer and to assist in the removal of these fraudulent accounts from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX FTC Report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian on multiple dates asking for them to verify accounts on my credit. I specifically ask them to send me the proof of the information being verified, such as the company contact they verified the information with but they have not sent me this information. They only pretend to investigate and say updated. By law they have to provide me with any information on how they verified an account and they also have to provide this within a certain time frame and they have done neither. I have attempted to resolve this matter with them via mail but they do not respond. By law, if they can not furnish the proof of verification these account must be deleted from my reports which Is what should be done.