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

Blue bird Amex has shut off my account, withheld my money and will not take my calls to resolve this issue. I have done nothing violating their terms. 
XX/XX/2020
Product: Debt collection

Calls from this company started on XX/XX/21. No messages are left. A search on the phone number revealed it was linked to a collection agency. Since there are to many scams going around, I would not call them to disclose any personal information. I placed a complaint on the XXXX. They advised they had sent the validation documentation on XX/XX/21. To date no documentation has been received. When I filed another complaint with the XXXX demanding a copy of the debt, they stated that they sent one before an there was nothing else that could be done. Collection agency was calling spouse 's number. They stated that the number would be removed and the business would remain open.
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 nephew, 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 Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted The Company XXXX  XXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.
Product: Credit card

I recently had two major medical procedures on my back In XXXX .I I also suffered severe nerve damage and had to be treaded for that as well.. I no longer am able to work and am considered permanently and totally XXXX. On Capital One 's website when I tried to contact them about this, their webpage immediately directed me to the CFPB page,
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I did not authorize the credit inquiries that are listed on my Equifax Credit Report that I reviewed on XXXX/XXXX/2016. Please see pages XXXX of the attached credit report. Due to the rising incidences of identity theft, I would like the unauthorized inquiries investigated to determine who authorized them. I would also like the unauthorized inquiries deleted.
Product: Credit card or prepaid card

This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from homedepot.com for a total of {$5900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$5900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$5900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX Thermostats. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is reporting a late payment on my XXXX  XXXX XXXX loan. I have diputed this and they have not provided me the information on how they verified their informaiton or the employee information they spoke with at the company who verified this informaion. Therfore should be updated as no late payments.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to LVNV Funding LLC to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. LVNV did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and XXXX reports. I sent certified letters to both XXXX and XXXX to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I accepted a car deal with XXXX XXXX XXXX XXXX and financial terms thru XXXX application.on XX/XX/ I received a hard inquiry from XXXX for the same loan.I called them to remove it they refused to.I never authorized this to run a loan or credit check
Product: Credit reporting or other personal consumer reports

Dear TransUnion Customer Service, I am writing to dispute a collection account listed on my credit report with an alleged balance of {$16000.00}. The account is associated with Fair Collections & Out and is reported with the following details : Creditor : Fair Collections & Out Original Creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Collection Amount : {$16000.00} Dispute and Request Privacy Act Violation : According to the Privacy Act, XXXX XXXX XXXX XXXX not have XXXX my personal information with Fair Collections & Out without my explicit consent. This unauthorized sharing constitutes a violation of my privacy rights. 

XXXX of XXXX ( XXXX XXXX. XXXX ) : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX, I request that XXXX Collections & XXXX provide detailed verification of the alleged debt. This includes original account information and any agreements related to the collection. If the debt can not be verified, it should be removed from my credit report. 

XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : I request that all communications from XXXX Collections & XXXX regarding this debt cease immediately. This request is made under XXXX XXXX. XXXX, which requires debt XXXX to stop communication upon request. 

Compliance with XXXX XXXX Laws : The CFPB regulations and consumer protection laws require accurate and verifiable information to be reported. Inaccurate or unverifiable information negatively impacts my credit report and financial standing.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for XXXX XXXX XXXX, failure to correct errors, and potential FCRA violations. 

XXXX XXXX falsely reported a late payment for XX/XX/XXXX, despite their own system confirming that I did make the payment on time. 

Key Facts : On XX/XX/XXXX, I called XXXX XXXX, and their representative verbally confirmed that I made my XX/XX/XXXX payment on time. 

Despite this, my credit report shows a late payment for XX/XX/XXXX, which has negatively impacted my credit score. 

I have a bank statement from XXXX XXXX confirming a XXXX XXXX payment was made in XX/XX/XXXX. 

XXXX XXXX has refused to correct this reporting, despite my repeated attempts to resolve this issue. 

This is not the first time I have had issues with XXXX XXXX misreporting my account history. 


This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in harm to my credit. 

I request that XXXX XXXX immediately correct the inaccurate late payment entry for XX/XX/XXXX and notify all credit bureaus. If they fail to correct this issue, I will seek further legal action.
Product: Debt collection

I asked that Transworld System provide a copy of their purchase agreement worth the original creditor as well as a copy of a payment contract with the original creditor with my signature. Transworld system has failed to provide either, and instead provided a form for me to dispute with the original creditor. This makes it unclear as to which company this debt is owed to, as Transworld systems has reported this debt and attempted to collect, which would imply that Transworld system has purchased this debt from the original creditor and therefore has the legal right to collect. However, Transworld providing a dispute form from the original creditor implies that that creditor still owns the debt. Since Transworld systems has failed 3 times now to provide the verification I asked for, and has now further made it unclear who even owns this debt, I request that this debt be deleted until a purchase agreement, a payment contract with my signature, and detailed info regarding when the original account was first opened, and what the monthly payment was, are all provided in order to verify ownership of this debt.
Product: Checking or savings account

I used my paypal account in XX/XX/2020 to sell some goods and services, and then in XXXX of paypal, my account was frozen for no reason. Then I was asked to wait 180 days before I could get back the funds in the account. I have been waiting for the information to be retrieved, but when I logged in to my account, I found that on XX/XX/XXXX, Paypal transferred about XXXX USD in my account without my consent for no reason. It didn't give me any reason. I sent a message to paypal, but I didn't get any reply. This is not what PayPal does for me alone, PayPal often does this. I think paypal is a robbery, he is stealing money from his users. please help me.
Product: Debt collection

These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act XX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information.

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS.

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting actXX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with XXXX XXXX  at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
Product: Credit card or prepaid card

On XX/XX/2023, at about XXXX PT, I was notified through XXXX that a hard pull had been made on my credit through Bank of America XXXX 

I am currently in contact with Bank of America, XXXX XXXX Police Department, and XXXX but have been advised to also submit a claim here.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And one more thing according to 15 USC 1681s-2 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 or other personal consumer reports

To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform EQUIFAX, XXXX XXXX XXXX that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ). This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. EQUIFAX, XXXX XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if EQUIFAX, XXXX XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.
Product: Credit card

I purchased an item from a company that uses Pay Pal. While I paid with a CC, Pay Pal decided to open an account for me without my permission. They captured my CC number. I attempted to close the account and once again, they reopened it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : Ability Recovery Service XX/XX/2022 in the amount of {$1400.00} Ability Recovery Service XX/XX/2022 in the amount of {$760.00}.
Product: Credit card or prepaid card

My name is  XXXX   XXXX  and I filed my tax return and got a  Rush Card  so I would n't have to disclose my banking information which now seems like it may have been a terrible idea. On  XXXX   XXXX  the amount of {$2900.00} was uploaded onto my  XXXX  rush card I was told that it would take longer for the money to be processed so I was n't even aware of the money on the card until  XXXX   XXXX . The next day I was then locked out of my rush card and i stayed locked out for a few days after that. It would not work and whom ever was responsible put a pass code on my account they also changed the address to an unknown address in Delaware, they then changed the email on the account to an unknown email. I regained access to the account they then provided the false address to me, I then changed the address back to my correct address, well at least I thought I did. At that time I was told by a representative that my dispute process had then started the date was  XXXX   XXXX  and once I filled out the form and sent it back I would be provided a provisional credit to my account in the amount of {$2500.00}.  XXXX  weeks later i still was not provided the credit to my account. I also made a request to receive the dispute form by email ( which they still had the wrong email and address ) because they said it would take  XXXX  days by mail, so I again made another request to change the email and address to my correct information for the second time. I faxed the form back  XXXX   XXXX  around   XXXX   XXXX    then called to confirm they received it, which they said they did. In between I called to check on the credit which I was told I would be receiving on  XXXX   XXXX  from  XXXX   XXXX   XXXX , then the  XXXX  as well. I was then told I would not be receiving the provisional credit and when i asked why they did n't have an answer for me they only said I would have to wait until they reached the resolution on the case which would take  XXXX  days so I was told to just wait. Frustrated and upset I waited again for another few weeks on  XXXX   XXXX    XXXX   XXXX   I called to check the status of the case i was then told there was no error found and that there was no  one  higher for me to take to and there was once again no explanation. i then contacted CFPB. A police report was filed the day the dispute was filed.
Product: Debt collection

There are 2 issues with this debt and PDQ Company 's collection efforts. PDQ 's response does not address the issue of the initial date of collection which should be the date listed on the credit report. PDQ sent a letter of collection on XXXX XXXX, XXXX. This is written and documented on their letterhead whereby they reference this exact date. PDQ is not following the federal fair debt collection laws. PDQ is showing the date of initial collection as XXXX XXXX. This is completely inaccurate and unfair collection and reporting. PDQ 's initial letter was dated XXXX XXXX. Again, PDG is violating fair collection practices by reporting an inaccurate date. By doing this, PDQ is allowing almost 2 additional years of reporting as a collection account on my credit report. PDQ has not addressed this in any of its previous responses. Again, the proof, which is the actual letter written by PDQ, is attached to this email. The collection letter sent by PDQ which states the initial contact was XXXX XXXX. This means the debt should be removed from the credit report sooner. I do not confirm this debt. I do not want PDQ to list the debt as disputed. This is not the answer I am seeking. This debt is beyond the statute of limitations. I seek resolution where PDQ corrects the date of initial collection so that my credit report is accurate. PDQ is using unfair and inaccurate reporting tactics to allow for additional and illegal time to collect. I will file another separate complaint against PDQ since the Company can not address both issues simultaneously.
Product: Debt collection

I have never received any paperwork on this debt by mail. 

The collector failed to state : " This is an attempt to collect a debt, any and all information may be used for this purpose. '' Multiple collectors disclosed debt information to anyone who would pick up the phone, including my ex wife and co-workers. 

In XXXX call the collector stated that It was going to court on XXXX XXXX and stated the account as a case number, misrepresenting themselves.