23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX Paid to Elan Financial Services, XXXX, credit card # XXXX amount of {$2800.00} for XXXX service not provided. 
XXXX. XX/XX/24 disputed the amount with credit card, Dispute # XXXX XXXX. XXXX credit was provided XXXX. XX/XX/2XXXX XXXX Office was paid by XXXX XXXX XXXX XXXX with Official Check # XXXX {$8000.00} in full for services peovided XXXX. XXXXDispute was reversed XXXX. XX/XX/24 sent a letter to customer service XXXX. XX/XX/24 send a fax with supporting documentation, ( XXXX ) pages, case manager XXXX XXXX. 
XXXX. XX/XX/24 - supportive documentation was received and conformed by XXXX XXXX. Spoke to : XXXX XXXX, XX/XX/24 - XXXX. XXXX, XXXX ; XX/XX/24 - XXXX, XXXX, XXXX ( fraud ). 
XXXX. XX/XX/24 - send fax with proof of payment XXXX. XX/XX/24 requist case manager to call? 
XXXX. XX/XX/24 spoke to XXXX supervisor # XXXX conf. Fax was received XXXX. XX/XX/24 spoke to XXXX, nothing is done? 
I am XXXX XXXX XXXX and this iXXXX XXXX  abuse!
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 XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC Enhanced Recovery Company was paid a total of {$200.00} for an old XXXX XXXX XXXX account which I paid on XX/XX/2022. I have XXXX letters from ERC showing my payment was received and the account was settled. I am and have requested multiple times for them to removed/delete this from my credit report and they have failed to do so. I have called them and have be redirected to contact XXXX XXXX XXXX which I have and was told they dont handle this since it was given to ERC. I have called ERC back asking for this to be removed they have told me they cant do this and I have to handle this myself reaching out to XXXX which I have but I am still waiting. I really need help with this as I am trying so hard to get approved for a home loan and this XXXX collection that has been taken care of it all comes down to this. 

Thank you so much.
Product: Credit reporting or other personal consumer reports

BLUESTEM/WEBBANK/FINGERHUT XX/XX/year> CAP XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has and is continuing violating my federally protected consumer rights as well as my constitutional rights to privacy and confidentiality under 15 United States Code 1681.

15 U.S.C. 1681 Section 602 A States I have a right to Privacy 15 U.S.C 1681 Section 602 A Also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item, or information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate.

Here are a list of such accounts or companies that are violating my rights and dates they furnish such information. 
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 
I sent Equifax a letter certified Mail # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting i havent receive a response back I sent XXXX a letter certified Mail # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting I havent receive a response back. 
I sent XXXX a letter Certified Mail Receipt # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting I havent received a response back.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification used to determine the accuracy of the disputed information on my credit report. 

Previously, I informed your agency through CFPB Complaint # 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 inaccurate. However, your response indicated that the information was " verified. '' As such, I am now requesting clarification on the specific method used to verify the accuracy of this account.
Product: Credit card

On XX/XX/23 I was checking into a flight at the Delta Airlines Counter. The Agent assisting me noted the Delta Sky Miles American Express card I was using and told me that if I upgraded to the Delta Sky Miles Gold American Express Card I would receive XXXX miles on Delta. I normally would not sign up for a card with an Annual Fee but agreed for the XXXX miles - the Delta Agent signed me up for the card. 

I had not yet received the miles and contacted American Express on XX/XX/23 via Chat. I worked with an Agent and then their Manager and was told by both that I was not eligible for the miles because I was already an American Express customer when I signed up for the Gold card. The Agent representing and selling their cards knew that I was already a card holder when he presented the offer to me. I have been using this card that I signed up for specifically for this bonus that I was offered and will not be receiving. 

I was informed there was not another level of escalation to resolve this issue.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I disputed the inclusion of the XXXX XXXX XXXX account on my credit file. I had no prior business relationship or a contractual agreement with XXXX XXXX XXXX. The FCRA requires credit reporting agencies to remove inaccurate, incomplete, or unverifiable information. As Transunion Credit Reporting Agency did an investigation, I requested documentation of the investigation process. I did not received any documents from Transunion, which is a violation of my consumer rights. By law, the disputed items SHALL be removed promptly. See attached file. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Equifax reported that its system was hacked affecting millions of Americans. The company, whose investors made millions, is offering only a minuscule compensation that too which costs it nothing - free credit monitoring. I believe that it 's is really a slap on consumers face since we do n't have a choice as to who monitors my personal financial information. They must pay $ $ $ in compensation. They must be fined by the agency as th solution does not fit the crime.
Product: Bank account or service

I had a checking account from before I was XXXX XXXX XXXX until now with U.S. Bank. Normally US Bank has been very good with taking care of any issues that arose but this time they were not. I truly do n't think I have ever overdrafted my checking account before this past year ( maybe once ) but either way it happened for a total of XXXX. I did n't even realize it until I got a letter in the mail. I went straight to the bank to deposit some money the minute I saw the overdraft and I saw I already had multiple fees on it when the letter that was sent to me that took XXXX business days to receive didnt have any attached. Knowing that the bank has always taken care of me and my family I called them and they told me they had nothing they could do. Each time fees keep adding on each week I talk to multiple people via a website inquiry and it takes days and days to be responded. FInally the total reached XXXX and the account was closed and sent off. After I begged and begged to get this fixed a person finally responded to me again saying she was sorry but already sent off to internal collections which took 9 days to receive. I fully take the blame here for the $ XXXX that I overdrafted by accident but not giving me an adiquite amount of time to pay it is bad business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account credit balance of my XXXX XXXX account was not being reported correctly in my credit report after I paid the balance down sigificantly. The payment should have had a positive effect on my credit score. I submitted a dispute with XXXX. but my credit score went down 19 points from a good to an average score. My Equifax score also went down whereas my XXXX  score went up as was expected. Upon completion of the dispute investigation the balance information was corrected The credit bureau has not provided any explanation in my report for the negative change. This activity has had an adverse impact on my financial condition.I have submitted another dispute but I am now unable to add a consumer statement to my file while the dispute is in progress.Not sure why this is.
Product: Credit card

I am writing with deep concern and frustration regarding a persistent issue that has yet to be resolved by Chase Bank, despite my repeated efforts and communications. This letter serves as a comprehensive demand for immediate action on an account opened fraudulently in my name, constituting a clear case of identity theft. 

Critical Concerns : Identity Theft : An account ending in XXXX, associated with an XXXX XXXX XXXX XXXX was opened without my consent or knowledge, exploiting my personal information. This unauthorized use of my identity is a severe breach of my privacy and financial security. I unequivocally state that I did not authorize or consent to the opening of this account, and I have been a victim of identity theft. I understand that your records indicate the receipt of a copy of my social security card in XX/XX/XXXX. However, this does not constitute evidence of my awareness or consent. Identity theft is a sophisticated crime, and perpetrators often use stolen documents to impersonate their victims. As a previous victim of identity theft, I have experienced the misuse of my personal information before, which I believe is the case here. 
I previously submitted an Identity Theft Report. This form details the nature of the identity theft and should serve as substantial proof of my claim. 

It is my understanding that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation of my claims. I respectfully request a comprehensive review of this case, considering the provided affidavit and any additional documentation I will submit. 

Account Never Appeared on Credit Reports : The fraudulent account has never been listed on my credit reports from XXXX, XXXX, and XXXX. This omission significantly delayed my awareness and response to this unauthorized account, depriving me of the opportunity to mitigate its impacts on my financial health sooner. 

Legal Impossibility Due to Age : At the account 's opening in XX/XX/XXXX, I was underage, making it legally impossible for me to have entered into any contract or agreement for credit. This fact alone invalidates any claim of my consent or participation and further supports the identity theft claim.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Portfolio Recovery Associates LLC Dispute Department XXXX Dear : Dispute Department I am writing in response to your letter dated XXXX XXXX XXXX regarding my dispute of the alleged debt of {$590.00}, which you are attempting to collect. This letter follows my previous correspondence dated XXXX XXXX XXXX, where I disputed the debt and requested verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested a copy of the signed contract associated with this debt, as well as a cease-and-desist from all collection activities, including reporting this matter to credit reporting agencies. 
Your response does not satisfy my request, and I believe you are in violation of the FDCPA. Let me address the issues in detail : 1. Failure to Provide Verification You have failed to provide the proper verification of the alleged debt. In my initial request, I asked for a signed contract or agreement to substantiate the debt. Instead, you mailed me copies of monthly statements, which are not legally sufficient as they do not represent an agreement or contract between the parties involved. Under the FDCPA, it is an unfair and unconscionable practice to attempt to collect a debt that is not supported by a valid, signed agreement. 
2. Failure to Cease Collection Activity In addition, you have failed to comply with my request to cease and desist all collection activity, including the reporting of the alleged debt to consumer credit agencies. Reporting an allegedly disputed debt without proper verification and in violation of my rights is a deceptive and misleading practice under the FDCPA. Your continued reporting of this debt to credit bureaus, despite my dispute, constitutes a violation of the law. 
Furthermore, I am concerned that my personal information has been shared without my consent. This constitutes an additional violation of my rights under the FDCPA and applicable privacy laws. 
To summarize, I am requesting the following : 1. Immediate cessation of all collection activity, including any further reporting of the alleged debt to any consumer credit reporting agency.

2. Proper verification of the alleged debt, specifically a copy of the signed contract, as initially requested.

3. Deletion of any and all credit reports related to this alleged debt. 
Failure to resolve these matters promptly will leave me no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Thank you for your attention to this matter. I expect your prompt and thorough response to my request. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted, they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just put somebody down with false information to make more money for the subprime market. And also, I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those collection accounts and or charge-offs. The signed affidavit that I'm sending is to you explain how they keep violating my rights. Also, I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.
Product: Debt collection

In 2012, I was covered by health insurance plan with XXXX and do not owe any outstanding balance for this account. Please provide me with information pertaining to this account that proves that the bill was not settled.
Product: Credit card

On XX/XX/year> I received an email stating that I had been approved for a Capital One Platinum credit card and that it was being shipped to my address. I also received an email from XXXX XXXX stating that my credit score had taken a hit since the Capital One card had been opened. I called capital one and they shared that the credit card was opened today in my name, with all of my information. They are conducting a fraud check and restricted the card, and shared that I will see my credit score adjusted in 60-90 days if they can confirm that the card was fraudulently opened. I have now frozen my credit on all three platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Yes, I have tried to get my credit unfrozen for about a month now. I have called multiple times and Experian is EXTREMELY unhelpful. I have uploaded all the documents they told me to have my membership unfrozen without any resolution. I waited numerous business days and when I call back for an update, they tell me to go through a new process that will take 1-2 weeks to process ( By Mail ). Now I am unable to get approved for a place to live as I can not get approved since this agency has frozen my account. This has caused my entire family so much stress, This is completely unacceptable customer service.
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 Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccurate information that has appeared on my credit report. After reviewing my credit file, I have identified several discrepancies that I believe are erroneous. I am requesting a full investigation into these issues and an immediate correction of any inaccuracies. 
These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the data reported. I am aware of similar legal actions involving inaccurate reporting, such as the case in which " The Cupboard '' filed a lawsuit against XXXX for the same recurring issues, where it was found that XXXX failed to accurately investigate or resolve disputes, leading to continued misinformation on credit reports. 
Here are the specific items I am disputing : Midland credit management {$620.00} XXXX XXXX XXXX {$370.00} XXXX hard inquiries I also request that you provide me with written confirmation of the results of your investigation, including any corrections made to my file. 


I expect a timely response within the XXXX period, as required by the Fair Credit Reporting Act, and I trust that these issues will be resolved promptly to ensure my credit report is accurate and reflects only correct information. 

Thank you for your immediate attention to this matter. Should you need any additional information or documentation to facilitate your investigation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Debt collection

This is not the first time I have been contacted by American Financial Credit Services about a supposed tax bill that I supposedly have with the XXXX County government. I lived on the property as a renter from XX/XX/XXXX-XX/XX/XXXX, and my sister, XXXX XXXX ( then XXXX  ), and her former husband, XXXX XXXX, were the sole owners of the house. I never had any financial stake in that property other than paying rent to my sister. The address is XXXX XXXX XXXX, XXXX XXXX, SC, XXXX. I did not respond to them the last time they contacted me and left me a voicemail with the same claim. I called the XXXX County tax collector 's office directly to find out why I had been referred to this debt collection agency and they said they had no idea what I was taking about, they had never referred me to a collection agency, and I was never listed on the deed or mortgage for the property. I ignored the last voicemail this company sent me, but this time, I need them to stop contacting me about a false tax debt. The caller 's name was XXXX with a reference # XXXX and he said to call him back at XXXX ext. XXXX. However, the call number on my caller ID was listed as XXXX. I submitted this complaint through the FTC on XX/XX/XXXX, FTC Report Number # XXXX. 

I recently received another voicemail from the same company on XX/XX/XXXX regarding the same supposed debt I do not owe. This time, the caller identified himself as the same man, XXXX, with the same contact information - different caller ID on my phone vs. the phone number he told me to return his voicemail.