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

I am writing to formally dispute several inaccuracies on my XXXX credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I am also notifying you that I am a victim of identity theft, which I believe stems from the data breach XXXX experienced. As a result of this breach, my personal information has been compromised, leading to incorrect and fraudulent information being reported on my credit file. 

The following accounts are inaccurately reported as late : XXXX. XXXX XXXX XXXX Past Due Amount : {$370.00} Reported Late : 60 Days XXXX. XXXX XXXX XXXX XXXX XXXX Amount : {$450.00} Reported Late : 90 Days XXXX. XXXX XXXX XXXX XXXX : {$14000.00} Reported Late : 30 days XXXX. XXXX XXXX : {$4400.00} Reported Late : 30 days XXXX. XXXX XXXX XXXX XXXX : {$200000.00} Reported Late : 30 days XXXX. XXXX XXXX XXXX : {$32000.00} Reported XXXX days XXXX. XXXX XXXX XXXX {$19000.00} Reported Late : 69 days These reports are not only inaccurate but have severely impacted my credit score and ability to secure credit. I believe some of these accounts may have been fraudulently opened or affected due to the compromise of my personal information in the data breach. 

Under the FCRA, you are required to complete your investigation and respond within 30 days. Additionally, as a victim of identity theft, I expect XXXX to take all necessary steps to ensure that my credit report accurately reflects my legitimate credit history and that fraudulent accounts or late payments are removed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Please remove closed accounts from my credit report and unauthorized, unapproved and excessive inquiries ran on my credit. These are negatively impacting my credit.
Product: Credit card or prepaid card

This card shows on my credit report and it does not belong to me
Product: Credit card or prepaid card

Summary : I booked a flight using Wells Fargo reward points on XXXX XXXX. When I canceled the flight XXXX said I should get a refund from Wells Fargo, and I never did. 

What happened : XX/XX/XXXX I booked a flight using XXXX Wells Fargo points for a ticket worth {$130.00} on XXXX XXXX. 
Confirmation # XXXX and ticket number # XXXX. 

XX/XX/XXXX I canceled my XXXX flight XXXX On cancellation screen it said funds are held by travel manager, and that any travel funds will only be available through the travel manager. 
- See screenshot XX/XX/XXXX I called Wells Fargo Rewards Dept, agent said there is a future credit with XXXX, and that XXXX will send me email. Such email was never received. 

XX/XX/XXXX I called Wells Fargo Rewards Dept again. 
Talked to CSR XXXX, she was going to put me in touch with Travel Agent and the call got disconnected Called a second time, talked to CSR XXXX, she connected me to Travel Agent XXXX Travel Agent XXXX was going to put me in touch with a different department to get the refund and the call got disconnected again Called a thrid time, talked to CSR XXXX, she connected me to Travel Agent and got disconnected a fourth time So much time has been wasted from what should have been a simple refund. 


What I would like : I would like Wells Fargo to either refund me XXXX Wells Fargo points or give me {$130.00} statement credit on my Wells Fargo rewards credit card ending in XXXX so I can use it for use for a XXXX flight.
Product: Debt collection

Dear Sir or Madam, This letter is in reference to UNIVERSAL RECOVERY CORPO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$88.00}. 
Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 
In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX XX/XX/XXXX
Product: Credit card

I applied for a new credit card with capital one, it needs further review I received a letter that I need to fax or mail a copy of my social security to complete my application. I called customer service and I said I do n't feel comfortable mailing my social because of fraud going on and I do n't have a fax machine, I asked if theres other alternative and she said that only fax or mail. I asked her if mailing social is secure and she said yes, for me I am not comfortable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to dispute a list of collections on my Credit Report that does not belong to me. I have send in letter via Certified Mail & called the call center a number of times. accounts are listed below XXXX XXXX XXXX XXXX
Product: Checking or savings account

Complaint Against Bank of America for Unauthorized Account Closure and Mismanagement I am writing to formally lodge a complaint against Bank of America regarding the unauthorized closure of my checking and credit card accounts without prior notice or sufficient explanation. This action has caused me significant inconvenience and financial losses. 

Details of the Incident 1. Unauthorized Account Closure - My checking account and two associated credit card accounts were closed by the bank without providing me with any advance warning or valid reason. 
- When I inquired at a bank branch, I was told the closure was due to " long-term inactivity, '' despite the fact that I made a deposit of {$1200.00} into my checking account and used it to pay my credit card bill in XXXX of this year. 

2.Failure to Process Instructions- On [ specific date ], I visited a Bank of America branch to deposit {$2000.00} in cash into my checking account. I explicitly instructed the teller to deposit the cash into my checking account first and then use it to make payments of {$1000.00} each to my two credit cards. 
- Instead, the teller deposited the cash directly into the credit card accounts without informing me that my checking account had already been closed. 

3. Lack of Communication and Notification - At no point did Bank of America notify me about the closure of my accounts or provide any opportunity for me to address or contest the decision. 

Impact of the Bank 's Actions - Financial Loss : I incurred financial losses, including potential late fees and penalties, as I was unaware of my accounts ' closure and could not manage my payments properly. 
- Emotional Distress** : The lack of communication and mishandling of my funds caused significant frustration and stress. 
- Credit Impact** : The closure of my credit card accounts may have adversely affected my credit score and financial reputation. 


Supporting Documentation I am prepared to provide documentation of my account activity, deposit receipts, and any other relevant records upon request to support my complaint. 

I urge the CFPB to investigate this matter thoroughly and ensure that Bank of America adheres to fair and transparent banking practices. 

Thank you for your time and assistance. Please let me know if additional information or documentation is required.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX Tennessee XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card

sooooooo happy payal is finally going to get what they deserve. Basically they need more checks and balances. I thouht i was paying for a product with my own card but somehow was setup as a paypal account. I had to close it as they kept charging late fees and not honoring at all the postage date. I just made my last payment last week and I could n't be more thrilled to be done with them. Please please please becareful if you are purchasing something that site is linked to pay pal, they will somehow get you.
Product: Debt collection

XX/XX/2018 I disputed, this with all 3 credit bureau, s I was not at that address at the time.
Product: Student loan

I am writing to formally request the immediate removal of my account and the return of my funds, in addition to requesting the removal of this account from all credit bureau reports, in light of recent findings against XXXX XXXX XXXX ( XXXX ), as outlined in the enclosed school exhibit. It has come to my attention that XXXX was found guilty of making misleading claims, false product claims, and engaging in XXXX activities. 

Given these circumstances, I believe it is both fair and necessary to dissociate my financial and educational investments from an institution proven to be in violation of ethical and legal standards. The integrity of my educational pursuits and financial engagements is of utmost importance to me, and continuing under the shadow of these revelations is unacceptable. 

Therefore, I kindly ask that Affirm takes immediate action to terminate my account, ensure the return of my funds, and remove any associated records from all credit reporting agencies at the earliest convenience. This request is made in the hope of maintaining the highest standards of accountability and transparency in our financial and educational ecosystems. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of account removal, fund return, and the clearing of my records from credit bureaus.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
In

quiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided p
ermission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Debt collection

I have setup payment arrangements with a couple of my collection accounts. I have noticed on my credit report that it does n't show I make any payments. I make the payment on time and it still shows XXXX payments.
Product: Debt collection

XXXX XXXX has been trying to collect a debt that is invalid for several years now. The debt is for the amount of {$190.00} for unreturned equipment. I sent the debt collector proof on multiple occasions that my XXXX equipment was returned to a XXXX store on XX/XX/2021. I sent receipts. I followed their guidelines exactly to return the equipment. I emailed them on XX/XX/XXXX and sent a physical letter a few days later. Now it looks like a new collection agency took over this account and are trying to collect again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Please find the details of the affected accounts and inquiries below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have various items wrong with my credit report such as name on one file and wrong addresses and unauthorized inquiries by a car dealer and account that I want investigated for late payment status being incorrect. Also I want to validate and verify several other accounts that I outlined in the letter enclosed.
Product: Debt collection

I 've been trying to dispute this alleged collection debt of {$1200.00} that Diversified Consultants ( DC ) claim I owe. I sent DC my first certified letter dated XX/XX/2017, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from Diversified Consultants should be ceased and removed from all my credit reports. DC replied with a letter dated XX/XX/2017, stating that they found the debt " valid. '' Their verification included a letter from XXXX, which included an itemized bill. I also noticed the address on XXXX bill doesnt belong to me. Theres also no signature agreeing that the debt should be paid to Diversified Consultants. DC 's evidence is invalid. I sent a second certified letter dated XX/XX/2017, which DC received on XX/XX/2017, according to the signed return receipt. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Diversified Consultants since, which show they lack the proper documents. However, they continue to falsely report this debt on all my credit reports.
Product: Debt collection

This company reported two of the same bills which I paid for the bill that was correct. I didn't take two ambulance rides. This is inaccurate and I do not owe anything else. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank, which is the Bank controlling the Sears Credit Cards, closed my 2 Master Cards accounts with Sears, including the original which is from the year XXXX, no matter the 2 recent payments of {$150.00} each, and all I explained to the over the phone, included in this complaint, and even using their online message service, and all the problems we faced here in Puerto Rico due to Hurricane Maria, Citibank simply disregarded everything and decided to unfairly close my 2 accounts with Sears, please see the 2 letters from Citibank included, one in English, the other one, is a translation to XXXX, one is referring to one of my accounts, the one ending in XXXX, which is the oldest from XXXX, when Citibank was not administrating Sears accounts, and the XXXX XXXX, which was opened under the Citibank administration. The complaint number XXXX, refers to the complaint already sent to XXXX XXXX about this problem, and many of the documents of that complaint are included in this one, in addition to the letters received online from Citibank dated XX/XX/XXXX, when they informed that my 2 accounts are closed, no matter I disagreed, and also paid, and also, they are requiring a huge single payment of more than {$400.00} for my oldest account, even after paying {$300.00}, with 2 {$150.00} payments in just days, in spite of all the evidence included, and all this affects my credit report unfairly, and is even discriminatory, probably due to me age of XXXX   years. Is unfair and discriminatory.
Product: Student loan

I'm a 100 % XXXX XXXX XXXX  XXXX Veteran and cosigner on student. I thought I should fall under " The Biden-Harris Administrations Student Debt Relief Plan '', and they're saying it doesn't apply. I also thought I should be covered from the military service. We also tried it from my service as a XXXX XXXX ( XXXX XXXX ) approach. They find a way to evade all trials. This loan with American Education Services is from early 2007 and even though we've been paying more than minimum payments its doesn't seen like its dissolving.
Product: Credit reporting or other personal consumer reports

On numerous occasions I have contacted all XXXX credit bureaus regarding them reporting a public record on my consumer report. After each dispute they return that the court in which the public record is being recorded has validated the account which is incorrect. I have personally contacted the local court and they have sent me proof that they do not nor have ever validated this information.
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 U.S.C. 1681. 

Account 1XXXX XXXX XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 2- XXXX XXXX. Collection. Due XXXX. XX/XX/year> Account 3- XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 4- XXXX. Collection. Due XXXX. XX/XX/year> Account 5- Ressurgent. Not aware of this one only shows up on one report. 

Account 6- XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 7XXXX XXXX XXXX XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

Account 8- XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

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.

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.