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

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX  are alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX  has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX  failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit card

Someone opened a Capital One credit card in my name without my consent, billing address was to somewhere out of state, the purchases made were blatant suspicious activity. Capital One won't provide requested documentation to dispute fraud.
Product: Money transfer, virtual currency, or money service

I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, and I have not violated any PayPal policy. I am kindly requesting that PayPal re-investigate my case and restore my account, if possible. 

To start, I would like to emphasize that I have been a loyal PayPal customer for several years, and I have always complied with all the terms and conditions set forth by PayPal. I am aware of the importance of maintaining a good standing with PayPal and have always strived to do so. 

Despite my best efforts, my PayPal account was permanently limited, and I was not given a clear explanation as to why this happened. I am confident that I have not breached any of PayPal 's policies and would like to request a thorough investigation of my case. 

Furthermore, I would like to request that PayPal take into consideration the fact that my account holds a significant amount of money, which I use for essential transactions. The permanent limitation of my account has put me in a difficult situation, and I would greatly appreciate your prompt attention to this matter. 

In conclusion, I kindly ask that you re-investigate my case and restore my PayPal account if possible. I remain confident that this limitation was placed in error, and I hope to resolve this matter as soon as possible. Please do not hesitate to contact me if you require any further information. 

Thank you for your time and understanding. 

Sincerely, [ Your Name ] PayPal Account Holder Email Address : XXXX XXXX
Product: Debt collection

Southwest Credit Systems placed a collection on my credit report without ever sending any notice of collection or verifying the debt. To date, I have never received any communication from this company in reference to this alleged debt. Southwest Credit has clearly violated the Fair Debt Collection Practice Act, which allows a consumer 30 days to dispute the debt. This was not provided prior to placing negative marks on my credit report. This is my attempt to resolve this matter prior to filing a civil action. I have also filed a complaint with the XXXX XXXX  in an attempt to resolve this matter prior to obtaining legal counsel to pursue a civil action for damage caused to my credit score without ever communicating with the alleged debtor. 

The amount in question is {$140.00}. I don't have much more information to provide since the company has made no contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the XXXX day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well.
Product: Credit reporting

Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, XXXX and Equifax and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting
agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$330.00} - Account # : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX : {$260.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Balance : {$3200.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

Regarding : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX Aldous & Associates is posting a fraudulent account to my XXXX Credit report under different account numbers. On XX/XX/XXXX, XXXX validated the account as fraudulent and removed the Aldous Associates Collection Acct. for {$170.00}. 
Unfortunately, Aldous & Associates resubmitted the debt again for collection to XXXX under a new account number. I contacted Aldous & Associates in writing with the written documentation from XXXX confirming the account as fraudulent and removed it from my credit report. Each time it's removed Aldous & Associates reports the same fraudulent account to XXXX under a new account number. 

I was told by XXXX XXXX XXXX Aldous Associates that I need to have Aldous Associates dispute the collection account, which is not true. They are deliberately being uncooperative and XXXX. I was hung up on and my experience dealing with this company is hideous. 

I joined XXXX XXXX in XXXX XXXX. A few days later following an emergency room visit, I learned that I needed to have emergency XXXX and could not participate as an active gym member due to my health. I went to XXXX XXXX and informed them of my health matter. I was told to contact XXXX 's XXXX office. Based on my medical documentation, I called XXXX 's Corporate office and was told that the contract could be XXXX.I also paid any outstanding costs. I have the medical records, if necessary. The truth is that XXXX XXXX sold XXXX XXXX a fraudulent account.
Product: Checking or savings account

As recently as this morning and after days and hours of working with the banks technical support team I still could not access the On Line Data Base. I sill could not retrieve the data I needed causing major impact! I was advised due to recent changes the bank " does not allow the use of XXXX Operating system system '' They advised I could use my mobile phone but after multiple attempts that also did not work and they had nothing to offer when I explained this was wireless and open to hacking! I have been hacked three times previously and do NOT want to use this method. They suggested going to the branch who could definitely assist. However at the branch they informed me due to policy changes they could NOT assist! Furthermore attempts to reach a manager produced nothing! They are never available and they stated I would get a call back within 24 hour to 48 hours but not so A! LIE Their automated system malfunctions, not hearing correct input, forcing reentry and then when you do connect it does not pass the account information along to the agent. This has caused me significant monetary delay and financial loss! Also calls going OFF SHORE answered by their staff who request my social security number in lieu of account number. I asked if they could use my last four they said NO the whole number! So much for the facade of security and to protect my account! Wither incapable or liars, either one bad!
Product: Debt collection

XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I never get any knowledge of this account be put in collection from the company before getting treated calls.
Product: Credit card or prepaid card

Capital One has recently begun blocking customers ' access to their own data through third parties ( this being through the provider - XXXX ). This has prevented services I use from which rely on my data to discontinue functioning.
Product: Debt or credit management

I hired a company XXXX  day credit to help with my credit profile which they did not do. Upon signing I was advised if I was not satisfied after XXXX  days didnt now have to continue. I opted not to continue and have since been getting harassing and threatening calls and emails. I have asked them not to contact me but instead am being billed for XXXX dollars and getting threatening texts and emails and daily calls after asking not to be contacted
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to kindly request the removal of the repossession record by Credit Acceptance Corp ( Account # XXXX ) from my credit report as a goodwill adjustment. Given the recent legal scrutiny of Credit Acceptance Corp 's practices, I believe this action would be a fair resolution. Additionally, the dealership from which I purchased the vehicle, XXXX XXXX XXXX XXXX, is no longer in business, further complicating my situation. I hope to resolve this matter amicably and avoid escalating it by reaching out to other parties involved in the lawsuit against Credit Acceptance Corp.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX The monthly payment amount is not reporting correctly This is inaccurately reporting on my report. 

XXXX XXXX XXXX XXXX - XXXX This is not accurate. 
please remove it from my credit report Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Information is Incorrect
Product: Credit reporting

On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian.
Product: Credit card or prepaid card

I opened my CapitalOne SavorOne credit card account in XX/XX/2019. When I applied online, the CapitalOne website offered me a new card member offer which stated : Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening Further, it also offered me 0 % APR for 15 months and it stated : 0 % intro APR for 15 months ; 15.49 % - 25.49 % variable APR after that When I got accepted, the website said congratulations you are approved and your card will be delivered. I have not been given the cash bonus after spending {$500.00} within the first three months and I am also being charged interest on my purchases. I have different terms and conditions agreement than what was represented to me when I applied for the credit card. 

I called the company and asked them why do I have different terms and conditions? They said we did not approve you for what was advertised. And I asked them why was I not notified about change in terms and conditions? The guy said we are sorry but we can't do anything now. Its just a small interest amount so pay it otherwise we might report you. 

I have been trying to resolve this issue and one of the CapitalOne customer service agents agreed that this might be false representation on our side. So he opened a case for my complaint. The application department got back to me and said there is nothing we can do, it is above than my powers and we will not accommodate you.
Product: Money transfer, virtual currency, or money service

Venmo I received an email from Venmo indicating I could review my quarterly account. I tried to login the site wouldnt accept my password. I change my password the site would still not let me login. This happened twice. I called and spoke with support. They kept asking for more and more personal information from me. They asked me to send them a valid ID. I refused and asked them to close my account. They refused. I asked them for a complete list of verifying information they would need and they wouldnt give it to me. I was afraid this was an information/data collection scheme.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX Data Breach and the XXXX  XXXX Data Breach, which exposed all of my personal information as a XXXX  resident. I'm XXXX years old and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have no account with the companies below, and the identity theft inquiries are as follows.
Product: Student loan

I believe that I am receiving a letter from a scammer indicating that I owe {$99000.00} in student loans with a payment of {$15000.00} due now. With numbers like these I believe this letter is coming from a scammer because I have been managing my student loan debt with a well-known student loan creditor. Ive never heard of global radius solutions and the amount of debt is totally unrealistic and would appreciate your help on dealing with this letter I have attached to this complaint.
Product: Debt collection

I did not agree with renew my subscription to XXXX. I contacted the website and cancelled the subscription. They refused it and said I have to pay the amount I didn't agree with. Now they scam me by sending my information to dept collector and I didn't use any of they services. I cancel the subscription long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, Experian, XXXX, and XXXX, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, Experian, XXXX, and XXXX, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.
Product: Credit reporting or other personal consumer reports

XXXX  to current please provide the original application thats shows the signature that was used. Please provide a copy of the identification or drivers license that was used. Please provide any information that proves the XXXX XXXX Credit Card that was fraudulently opened in my name actually belongs to me. Ive filed several claims with the bank stating that money was taken from my account without my authorization. Please provide any and all identifying information to prove this account actually belongs to me. XXXX XXXX  helps and supports identity thieves by not properly doing its due diligence when investigating and reporting fraud!
Product: Payday loan, title loan, or personal loan

I want to make a complaint regarding Prosper.com. This loan company is applying all my payments to interest and claims that it is due to the COVID-19 pause that I took advantage of in 2021. Since then, they will not tell me how much interest is due even though I am paying them back regular installments since XXXX. Also I have tried to call multiple times to see when I can expect to have the interest paid off and they will not provide a response. All I want to know is when I can expect to see all the back interest paid off.
Product: Credit card or prepaid card

Hello I had opened a new business credit card with American Express around mid of XX/XX/XXXX. There was like welcome bonus offer if I spend {$15000.00} within 3 months, I receive Membership Reward point XXXX cash value almost {$1500.00}. 

After I reached my credit card spending over {$15000.00} and contacted to ask American Express when I would received Membership Reward point XXXX, however they answered my account was not eligible receiving Membership Reward points because the offer code is not attached and I opened this product of the credit card previously. I disputed I never had this credit card before and it was opened the first of my life time. The case was escalated another department, but my Membership Reward point as welcome bonus as they had promotion for their bossiness was rejected. Also they charged the annual fee {$590.00} in XX/XX/XXXX. I still haven't received my bonus Membership Rearward points as of XX/XX/XXXX. 

Truly yours,
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 U.S.C 1681. 

15 U.S.C 1651 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 1681 c. ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

For the last year, I have repeatedly received repeated phone calls from American Express ( AMEX ) in attempt to find one of their customers in what I assume is related to debt collection. The company is calling from XXXX. I do not have any business relationship with this company and I have asked them to remove me from their calling list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. XXXX DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX XXXX  CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS XXXX IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A 790-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG