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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my credit report it is showing an account with your company whom I never did business with.I am unaware of this debt, I was not given the opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide me the certified mail with the receipt with my signature on it stating that I received it. 

The company responded stating they had acquired the debt " sometime around XX/XX/2021 and sent a letter on or about XX/XX/XXXX but failed to provide me with my requested certified mail with the receipt having my signature on it stating I received said notification ''
Product: Credit card or prepaid card

This is regarding billing dispute number XXXX. 

On XX/XX/2019, our XXXX XXXX tech support package renewed for {$100.00}. 
Previously, we had been to Best Buy and were told all protection plans were converted to the Total Protection Plan. This covers all electronics in the house and a {$49.00} service fee for in-home visits. 

On XXXX, we called to make a service appointment for our XXXX  XXXX. We were told at this point the package had not converted and we owed another {$210.00}. They stated they would refund the {$100.00} to the account. As soon as the purchase came through the account, I disputed the prior charge on XXXX. 

I filed a prior XXXX  against Best Buy complaining about the price difference being snuck up on us at the last minute and asked Best Buy to stand behind what was told at the store level, giving a refund difference for this year. XXXX with the XXXX  's office refused. You can reference the XXXX  if you go to Best Buy 's headquarters. 

It appears Best Buy 's credit came through on the same day of my dispute, presumably after I filed it. Best Buy ran the refunds as two separate amounts : {$32.00} and {$76.00}. Best Buy finally stated it was refunded this way due to breaking it into XXXX and Tech support renewal. I confirmed this when looking at my Citibank letter as well. 

On XXXX, Best Buy issued a response to Citibank that stated they had no record of my cancellation even though the account was clearly refunded on XXXX. Citibank probably caught the way it was broken up by the breakdown amounts. Then, there is a note further down that doesnt display a date next to it where Best Buy acknowledges the refund. 

On XXXX, Citibank issued a letter to me stating the dispute was resolved. 

I have filed another XXXX  report against Best Buy for numerous reasons, including recent problems with their XXXX XXXX as well as listing that I never asked approached them for a refund. Clearly, they should have investigated this on their end properly. 

My concern is if Citibank has flagged this dispute as mispresented. In the dispute summary online, it still reflects the dispute as open and pending investigation. I e-mailed this problem to billing disputes on XXXX ( only that it still shows open ). I also attached a copy of the dispute summary. I still have not heard back on the problem.
Product: Mortgage

On XXXX XX/XX/2020 I sent my mortgage payment for XXXX. The first week in XXXX I received a check for {$680.00}. The letter attached said " Escrow Over Payment. '' I detached the check and still have it. I called Loandepot after a few days. They said I was late on my XXXX payment. I wasn't they sent the payment back to me. I told the representative that it was not my fault. They should have transfered the money to the new loan which is an " XXXX ''. I never would have been late if it weren't for their mistake. Now on Monday I submitted a payment to them. Over {$1100.00} to catch up for XXXX and now XXXX. They failed to take the money and have no record. I resubmitted the payment after looking at my bank account and noticed they didn't take the first payment. That was Wednesday. I asked the rep if this was going against my credit? She said they submitted a m, thirty day late letter to the credit company. Why? I told the lady you gad the money and failed to apply it to the new loan, sent me the money back late and this forced me to be late. There are two account numbers associated with this account. Now I don't know if they ever tried to call me about this mix up. However I get scam calls all the time and if they didn't use a proper loandepot number I was unable to answer the phone call. I need my credit restored and want a written apology.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Remove Inaccurate XXXX XXXXXXXX Account Following Dispute Complaint Details : I received a letter from XXXX  XXXX confirming that they would be removing an account from my credit report due to inaccurate reporting. Both XXXX and XXXX have removed this account as per XXXX XXXX 's instructions. However, Experian has failed to do so and continues to update this account on my credit report, despite the clear evidence provided. 
On XX/XX/year>, I submitted a dispute to Experian received XX/XX/year> ( XXXX tracking information provided ), including a copy of the letter from XXXX XXXX verifying the removal of the account. Experian has neither removed the account nor provided any acknowledgment of my dispute, which is a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). 
This inaction by Experian is causing ongoing harm to my credit profile and financial opportunities. I am requesting the CFPB 's assistance to ensure that Experian complies with its legal responsibilities to investigate and correct inaccuracies. 

Attachments : A copy of the letter from XXXX XXXX verifying the removal of the account. 
Proof of dispute submission to Experian ( e.g., certified mail receipt or tracking confirmation ). 
Credit reports from XXXX and XXXX showing the removal of the account. 
Thank you for your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXX/XX/XXXX
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 has violated my rights. Or list of inquiries 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 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: Checking or savings account

I added XXXX to my skrill balance and attempted to then use that money. My account was first frozen to verify my ID and then frozen indefinitely with no further explanation given and no requests posted on my end. You can't hold my money indefinitely for no reason. Upon googling this is clearly what Skill does, casually.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to address a matter of utmost importance concerning my PayPal account with the email address XXXX. 

I recently received notification that my account has been permanently limited, and I must express my deep concern and disbelief regarding this decision. I firmly believe that this limitation must have been placed on my account by mistake. I have been a loyal PayPal user for many years, and I have always adhered to PayPal 's policies and guidelines. 

I would like to emphasize that I have not violated any of PayPal 's terms of service or policies, knowingly or unknowingly. I take pride in conducting my transactions with honesty and integrity, ensuring that all my activities comply with PayPal 's guidelines. 

In light of this, I kindly request PayPal to reconsider and thoroughly re-investigate my case. I am confident that upon closer examination, it will become evident that there has been a misunderstanding or misinterpretation leading to this unfortunate limitation. 

I sincerely hope that PayPal will grant me the opportunity to rectify any discrepancies and demonstrate my commitment to upholding the principles that PayPal values. It is of great importance to me to have my account reinstated, as it plays a crucial role in both personal and professional financial transactions. 

I understand the need for security measures to safeguard the platform and its users, and I fully support PayPal 's efforts in this regard. However, I humbly request a fair chance to present my case and prove my innocence in this matter. 

I kindly urge you to treat this appeal with the utmost priority and urgency, as I am eager to reach a resolution at the earliest possible time. I have complete faith in PayPal 's commitment to fairness and am hopeful that my appeal will be considered with an open mind. 

Thank you for your attention to this matter. I look forward to a positive response and the reinstatement of my PayPal account.
Product: Student loan

To Whom it may concern, I had a student loan with ACS-education for about four or five years that I paid on time faithfully. I attended XXXX XXXX XXXX in XXXX in the early XXXX. I did complete the XXXX XXXX course but had a real tough time finding a Job that I could pay bills let alone a student loan back but with my ignorance I let the student loan go into default after deferring as long as I could once I was able to get somewhat on my feet I tried to get back to fixing my credit to be a homeowner one day and I was pushed to ACS-Education where I was making payments that I really could but if I didnt it would hurt my credit and I would not be able to buy a house. There were times when I did my taxes that I was able to pay a little extra. When I would ask for my loan to reflect my pay, they told me repeatedly No I must pay what they asked and if I was paying {$370.00} only {$50.00} was going to my principle. It was a horrible experience. After getting nowhere I was forced to consolidate with a private company and got a break on interest being pay and more money has been going to my principal. 
I tried to look up my account on ACs-education but found that were sold to another company I still have my account number but can't get into site for information. ACS-education was never user friendly and only took advantage of me in my situation. ACS managers never helped me and only took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX Account : XXXX... 

I am promised accuracy on my report based on federal law. I am writing again as another attempt to have these errors corrected on my consumer report under 15 usc 1681. All unverified information must be promptly removed. As you can see in your system you can not verify this information and validate it so I request that you remove it now.
Product: Prepaid card

I purchased this this " XXXX '' XXXX XXXX gift card issued by XXXX, XXXX, serviced by Incomm Financial Services , Inc., on XX/XX/year>, via XXXX. The purchase amount was {$74.00}, which is {$70.00} in funds on the card, and there was a purchase fee of {$4.00}. I have tried repeatedly since I purchased the gift card to pay my monthly XXXX XXXX XXXX of {$5.00} and it will not authorize. I have logged in to the issuer 's website to see if there is a decline reason, and it shows no activity. Tonight I tried to purchase a streaming movie from XXXX for {$12.00}, and both attempts declined, and once again, I logged into the issuer 's website to see if there is a decline reason and it shows no activity. I feel that the issuer is not authorizing the funds in order to use my money, while they hope that I just give up. I do not hold XXXX responsible, but I do hold XXXX, XXXX, the card issuer responsible along with Incomm Financial Services , Inc .
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 : XXXXXXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX  Account number : # XXXX, Account name : XXXXXXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX has violated my rights. 


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: Debt collection

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX XX/XX/XXXX and finally received copies of statements from MCM after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested MCM to provide details on how the alleged amount of {$1100.00} was calculated, MCM has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX U.S. Dist. XXXX XXXX ( XX/XX/XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this account.As per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file
Product: Debt collection

Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to XXXX XXXX XXXX XXXX, and to contact them at XXXX. Ive never received any notices from either XXXX nor XXXX XXXX XXXX XXXX about any accounts nor do I recognize this account. This account does not belong to me.
Product: Mortgage

Broker misled me and lender with lack of supporting documents filed in a timely manner. 

Delays in approval process, closing disclosure, and final clear To close. 

I had to pay builder {$90.00} per day due to his delays. 

The entire process was handled poorly, bad communication, errors at closing table, etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed another medical charge on my credit report, from the same collection agency named XXXX XXXX XXXX that I reported to the CFPB and on my Identity Theft report as reporting fraudulent information on my credit report. The charge on my credit report for {$400.00} is fraudulent and does not belong to me. Also, being that Experian is fully aware of my identity theft ( that I have reported to them over 5 times ) and which I am still working to resolve, they did not make me aware of this charge being placed on my credit report. I found out through trying check my credit report. I would like for Experian to please remove the fraudulent charge of {$400.00} from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

These hard queries do not belong to me. I have not authorized them and they must be removed. This too, thank you. 
- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX NA XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
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 XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX XXXX , Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX , Account name : XXXX XXXX XXXX , Account name : XXXX XXXX , Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX , Account name : XXXX XXXX , Account name : XXXX XXXX  XXXX , Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX , Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX , Account name : XXXX XXXX XXXX, Account name : XXXX XXXX , Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX , XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX , has violated my rights. 

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of convictions of crime that antedate 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.