23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXXXXXX account opened in XX/XX/XXXX The account status is reporting as XXXX XXXX XXXX XXXX. This account was settled for {$5000.00} CASH on XX/XX/XXXX and there have no late payments since XX/XX/XXXX. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the finance contract and the payment history that proves the account status that is being reported and they have failed to provide any evidence as such. I have attached a copy of my Drivers License, a current utility bill and the bank statement that proves this account was PAID in XX/XX/XXXX and the status should reflect as a PAID account according to the evidence I have provided. If you are unable to gather any other evidence to the contrary of my claim ; then you must update the payment status or delete the account in it's entirety.
Product: Prepaid card

NetSpend Card has been very secretive about what or who has my bank card and won't tell me what's going on with my accounts or my cards
Product: Credit card or prepaid card

I was approved for the Goldman Sachs/Apple credit card on XX/XX/2021 ; however, I have never been able to use the credit card because my " account is under review '' and restricted from spending. I have called the Apple/GS customer service line about 5-6 times and spoken to at least 9 people since to date ( XX/XX/2021 ). No one will tell me the reason my account has been under review ( despite there being no purchases made to be reviewed ) or will allow me to just close the account. I took the typical credit score hit by opening a new line of credit and now I do not have the benefit of using the credit line at all or closing it out. Last thing to note is that this restriction took place before I could even activate the physical card.
Product: Debt collection

XXXX XXXX contacted me by mail back on XX/XX/2018 saidI owe XXXX money for old debt So I decided to saddle the dept so it wouldnt be put on my credit report XXXX XXXX   put on my credit report anyway So I ask this collection agency asked them to remove it they told me they couldnt remove it they just a third-party collection agency and they told me to call XXXX so I called XXXX told them the situation and they looked at it and say that I didnt know that many money so I called the collection agency back and tell them the situation with XXXX and they asked them to send me documentation and they told me they dont have documentation of the Debt because they are third-party collection agency also this collection agency never send me a receipt for the money I paid that asked him three times back in XXXX to send me a receipt and they still havent sent me one.
Product: Checking or savings account

Someone by the name XXXX XXXX XXXX gave me money to the tune of {$1000.00}. I have never heard of them before and thanked them for the gift. They told PayPal that they ordered something from me and wanted their money back. XXXX XXXX XXXX has an inactive business license so how did they give me money? Since I spent some of the money I now owe PayPal money {$550.00}. I have not had any website to sell anything for many years. XXXX XXXX XXXX lied to PayPal and apparently they refused to investigate. 
So now I have a negative balance with PayPal. 
I was cheated out of a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Recording Act XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report. I have been a victim of a data breach, and these accounts were fraudulently opened or reported without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance XXXX {$65.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Apparently my identity was stolen and someone opened a account with XXXX XXXX XXXX Bank I been trying to explain to Midland Credit Management that I was a victim of identity theft and I have rights regarding this debt, nobody verified the debt with me or anything as of today the debt is not on my credit report but this against the fair credit act and I will be taking legal process if it appears on my credit report.
Product: Student loan

I have more than {$110000.00} to pay in student loans to Navient, formerly XXXX XXXX. My monthly payment is more than {$900.00} per month! I was in such financial dire straits that I had to file bankruptcy ; however, during the 5 years I was in bankruptcy, my student loans were still accruing interest everyday!!! I think to the tune of {$35.00} per day!!! The amount I owe now is astronomical compared to what I originally borrowed! I was mislead by this student loan company so many times! I 'll never have enough to raise my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to request the removal of JPMCB CARD SERVICES for regarding a delinquency of 30 days as of XX/XX/2017. I have attempted to set up minimum payments to be automatically processed, and their system did not process the payment due to an error that needed to be remedied later with a customer service representative. I have never had a late payment and I am asking that this is removed from my credit report. I am requesting the removal of this item from my credit report. I am a XXXX XXXX  employee trying to purchase my first home which is not easy, and this is negatively affecting me. Chase financial services is choosing to stubbornly cling to their belief that I have made a late payment despite my attempt to pay this on time and my flawless payment history otherwise. Please request that they remove this late payment report. 

Kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate request. 

the Experian company continues to report a chapter XXXX bankruptcy that does not belong to me. all the creditors have done investigations and found that I was not the rightful owner of these accounts, these same accounts have been discovered to have been started under the very same address as this chapter XXXX case is reporting. I have attached the investigation results and the police report and FTC report showing that I have never resided at the address that this bankruptcy is reporting under. the XXXX and XXXX companies have since removed and found that I was not liable, however Experian continues to be in direct violation of the law and therefor damaging my reputation after being notified that what they are reporting under my name with this chapter XXXX bankruptcy is not valid
Product: Credit reporting or other personal consumer reports

these accounts with incorrect information do not belong to me, i want it to be deleted XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I looked at my credit report today, I was alarmed to see unfamiliar inquiries listed. This isnt normal, as I regularly check my report, but this time there were inexplicable issues. After refreshing the browser with no change, I realized this was a serious problem. I urgently request a thorough review of the documents I provided to ensure my credit report is accurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my XXXX credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 1681o. The following account is incorrect and should be permanently deleted from my credit file : Creditor Name : Best Buy Account Number : XXXX This account is either inaccurate, outdated, or unverifiable, and therefore, I am requesting its permanent removal from my credit report. Under the FCRA, XXXX is required to investigate and either verify the accuracy of the account or delete it if it can not be verified. 

Please complete your investigation within 30 days as required by law and provide me with written confirmation of the results. If this account is not removed, I request a detailed explanation of the verification process, including the source of verification. 

Attached, you will find a copy of my identification ( XXXX ) to verify my identity. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide a written response to my address above. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year>, at approximately XXXXXXXX XXXX, I attempted to withdraw {$200.00} from an ATM operated by XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. I had successfully made three previous withdrawals of {$200.00} each, but during my final attempt, the ATM went out of service and did not dispense the cash. Despite this, my bank deducted {$200.00} from my account. 

I contacted the ATM manager, who confirmed that the ATM was out of service during my last transaction and that the cash was not dispensed. They advised me to file a dispute with my bank and provided me with a reference number for the ATM ( XXXX # XXXX ). 

On XX/XX/XXXX, I contacted my bank ( Chime ) and provided them with all the relevant information, including the reference number. They assured me that they would call the ATM operator for verification and would process an E-regulation dispute on my behalf. The bank provided me with their reference number for this dispute ( Reference # XXXX ). 

However, on XX/XX/XXXX, I logged into my account and discovered that my claim had been denied. When I inquired about the denial, I was told that the bank could not provide me with specific details regarding the claim. I have attached the receipt from the ATM manager that shows the transaction did not go through.
Product: Mortgage

My home owners insurance lapsed XX/XX/18. Home Point Financial is my mortgage company, they haven't sent payment l. I have tried calling and emailing also representatives at XXXX have tried as well.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Every time I call them they say ask the last payee and she's not getting to me she told me about her house and I don't have no money my Social Security check is going there
Product: Debt collection

I am writing to file a formal complaint regarding the improper practices of JEFFERSON CAPITAL SYST, which is attempting to collect a debt that has not been properly verified. I have requested verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient evidence to substantiate the claim. 

Specifically : No Original Signed Agreement Provided : The collection company has not provided a copy of the original signed agreement to prove that I am responsible for the alleged debt.

Improper Verification of the Amount Owed : They have not adequately verified the exact amount owed, excluding interest or fees, as required by law. 

I believe these actions are a violation of my rights under the FDCPA and potentially other applicable laws. I request that you investigate this matter and ensure the collection company is held accountable for adhering to federal regulations. 

Enclosed, please find copies of all correspondence related to this matter, including my request for debt validation and the collection companys response ( or lack thereof ). 

I appreciate your attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me if you need additional information.
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX XXXX XXXX XXXX XXXX for the amount of {$6700.00} the date they opened the account is XX/XX/2023. I have also already obtained an FTC report for Identiy Theft Also the collections company that this account is transferred to is XXXX XXXX XXXX
Product: Credit card

Capital One Credit Card for Saks Fifth Avenue closed my store card even when the card was active, payments were made, and billing center had accuracy that correct the response to in which the account should not be closed. They decided to hinder my credit by keeping the card on my account for years after they decided to close the account which is not fair treatment.

3 ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular officer, employee, or agent of the card issuer does, in fact, receive the information. Notification may be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier Examples of unfair practices Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to : Try to collect charges in addition to the debt unless they are allowed by the contract or law ________________________________ Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts ________________________________ Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt collectors address or business name that doesnt indicate its in the debt collection business Generally, a closed account with negative history can continue to hurt your credit score for seven years This paid off account should be removed in addition to no information being provided and no attempt to collect debt this hinders me from collecting any other type of credit and hinders my credit from rising due to this unjust unfair treatment being placed on my credit. I feel that this is some type of descrimination in efforts to keep me hindered from recieving credit as this hurts my ability to apply for a car, get new housing in which the creditor agrees that the account was paid on time but they continue to have this on my account as a way to hinder my credit I would like to have this item removed
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my credit report with your bureau appears to have been compromised. Upon reviewing my records, I have noticed numerous entries that do not belong to me. After conducting thorough research, I found that under Section 605b of the Fair Credit Reporting Act ( FCRA ), the Credit Bureaus are required by law to remove any items that are found to be a result of identity theft. The disputed items on my credit report do not belong to me and were fraudulently opened. I have enclosed the required Federal Trade Commission ( FTC ) Identity Theft Report, along with relevant bank records supporting my claim. I request that you could help me promptly remove these fraudulent entries from my credit report. My research indicates that the Credit Bureaus are required to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. If they are unable to provide these records and claim that the items are verified, please be aware that I will seek legal action to protect my rights. Please understand that I take this matter very seriously, as does my attorney. Therefore, I expect full compliance with the law to resolve this matter swiftly and satisfactorily. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. 
Under Federal law, they had 30 days to complete the investigation and by failing to do so, the item must be removed from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX, XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Contacting me at absurd times of the day and continuously call during my work hours. No letter sent to me from them regarding my debts & originally debtor did not contact me in any effort to resolve this debt. I had auto payments and changed banks- I was never contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are in default. I have entered into a payment arrangement with  XXXX , the collection company for the loan issuer. Th e   XXXX   XXXX   XXXX   tells me  they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( the default ) h owever, they should have to report my payments and show that I am trying.
Product: Debt collection

XXXX XXXX XXXX, XXXX CREDIT CARD Firstsource Advantage , LLC I settle the account with Firstsource on the ammount of {$520.00} and this company was going to notify XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD and delete it from my credit report but it does not show on my credit report, it shows that the account was reduced by {$520.00}, still shows that I still owe XXXX  money. I settled the account for {$520.00} and they were going to delete it from my Credit Report. I have the letters they send me of total deletion. Please DELETE THE COLLECTION FROM MY CREDIT REPORT AS THEY PROMESSED.