23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I ordered a product on https XXXX XXXX When I went to checkout, nothing happened. Then I received an email with instructions to send payment via paypal as a friend/family payment. When I did, I never received the digital download of the product. I did some research and found the actual copyright holder of the product and ordered through them. I requested a refund from XXXX, but received several vulgar and threatening replies from them. I asked the copyright holder if XXXX was a licensed distributor and they said they were not. I am now receiving death threats from XXXX. The most recent message is : XXXX XXXX XXXX XXXX ( 22 minutes ago ) to me you are a dog. 
Your whole family will XXXX  soon : ) ) I have the entire email thread saved. 

Also, I attempted to report this through paypal, but their customer service is impossible to access. I wasted an hour trying to send a message to paypal and got nowhere. Just pop ups stating I can not send them a message.
Product: Debt collection

Midland Credit Management , Inc has violated my consumer rights and I have proof of these violations. Reporting invalidated information to XXXX, XXXX, or XXXX may constitute fraud under federal and state laws. I will be filing a complaint to the FTC, my state attorney general, as well as reporting identity theft. You have stolen my nonpublic personal information and violated my right to privacy. I do not consent to my information being used. You can not lawfully purchase my personal information. I am under no legal obligation as a consumer to pay you for an alleged debt. Below is a list of violations of my consumer rights.

This alleged debt was not validated according to my rights as consumer found in 15 usc 1692g.

I am the original creditor, a natural person who can extend credit. Not a corporation.

It also states in 15 usc 1692g ( c ), that the failure to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. You violated this law. 

Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Violation of 15 usc 1692b ( 5 ).

It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Violation of 15 usc 1692j ( a ).

The false representation or implication that any individual is an attorney or that any communication is from an attorney. Violation of 15 usc 1692e ( 3 ).

Multiple FDCPA violations including, 15 usc 1692e ( 2 ), 15 usc 1692e ( 10 ), 15 usc 1692c, 15 usc 1692b ( 3 ), 15 usc 1692e ( a ), 15 usc 1692d, 15 usc 1692b. Each violation is up to {$1000.00} fine per violation according to 15 usc 1692k ( a ) ( 2 ) ( a ). 

My federally protected consumer rights have been violated on multiple occasions and my character has been defamed. As you can see by the dates and the note at the bottom of each letter, I have already mailed certified, a cease and desist letter and Midland Credit Management Inc. have continued to send threatening debt collection letters multiple times after. 

I request this account and all comments be removed from my consumer credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Comenitycb/Myplacerwds account : XXXX, XXXX XXXX account XXXX XXXX, XXXX acct number : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and Equifax refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.
Product: Debt collection

There is a debt collector ( central credit services ) company calling me numerous times through a single day over a XXXX bill I owe. The amount is {$160.00}, which I have advised 2 times that I would be calling in once I have the money to pay. The next day and every day after that they have called me and left the same messages. This is harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Experience, XXXX, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts u resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all three agencys has neither corrected or removed incomplete, inaccurate items from my report. Furthermore, US Code 15 USC 1681 D12 AIB states that transactions can not be reported on a consumers report. That being said, all late payment history is to be removed immediately from my credit reports. Failure to do so is illegal and a violation of the US code previously stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These unauthorized entries, resulting from identity theft, have severely impacted my life, causing considerable distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in 2014, I did not consent for XXXX XXXX to look into my records and send it to credit bureaus. 
Is this legal? 
I had bankruptcy for four months and cancelled it ... why do we have to suffer for 7 years of bad credit? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why there is {$810.00} balance indicating if it is charge off account. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$810.00} ;
Product: Checking or savings account

I had XXXX transactions were the funds was deposited into an account that I am not accolated with. I have summited XXXX claim and was denied a refund. Since I don't have and I am not linked to the account the money was deposited the bank will not refund the money as well. 
In XXXX XXXX my Cash App. was compromised/hacked and I had to get a new card. I did not realize at that time they added a debt card to my account to to have monies deposited in. 
On XXXX XXXX XXXX XXXX XXXX a deposit of {$56.00} was deposited to this fraudulent account and on XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$100.00}. 

The fraudulent account is with XXXX XXXX and I don't or have I ever had an account with them. 

I was denied my refund twice, stating I authorized this transactions and I did not. 


Thank you
Product: Credit card or prepaid card

This is not a duplicate claim. 

Attempting to obtain Price Protection benefit. Purchased a XXXX XXXX set on XX/XX/XXXX Found a lower price on XX/XX/XXXX and submitted - Claim : XXXX Was told that it wasn't for sale, despite website indicating it is. Found another lower price and reopened the claim - Now Claim : XXXX This time the claim was denied because " item you are claiming was not purchased with an eligible credit card account '' So I call on XX/XX/XXXX and the representative, after being given both claim numbers, says that there's no store selling the item and there's nothing in the records about the email saying the card isn't eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$14.00} by Experian yesterday ( XX/XX/2023 ) and I never signed up for any service from them. I didn't notice the charge until today ( XX/XX/2023 ) and tried calling but apparently they are closed as it's Sunday. When I tried logging into Experian with my email it says my password is incorrect and when selecting the change password link, the phone number it was said it would send the call or text doesn't match mine. It shows just the last 2 digits for security reasons and those 2 numbers don't match my number but when asking security questions regarding my identity, it had my real number matched to my name and social. So I can't access my account and report anything because I can't login and I can't change the password or have the option of using any other information to confirm my identity. I don't know what else to do until they open tomorrow but I feel this is a significant issue because this is my credit and I already have a credit freeze and alert due to an issue I reported 2 months back.
Product: Credit reporting, credit repair services, or other personal consumer reports

So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my XXXXEquifax credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.XXXX XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.XXXX/Equifax is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by Equifax also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. Fraudulent accounts and inquiries have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by Discover, XXXX XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date open XX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my Transunion XXXX and XXXX credit reports about a month ago and now that XXXX XXXX XXXX had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me that there had been a hard inquiry into my account. I decided to check Experian and saw that XXXX had conducted a hard inquiry on my credit report on XX/XX/2022. I reported the fraudulent use of my information to the Federal Trade Commission. Takes 24 hours to generate a report. Reference # XXXX but the temporary password is given by FTC and it does not work with my email account. I contacted Experian and XXXX to dispute the fraudulent inquiry. Before, I had filed a report with the XXXX XXXX online when a delivery from XXXX XXXX was stolen and never delivered to my address.
Product: Credit card or prepaid card

I received my new Avant charge card in late XXXX early XXXX. I activated card and the following month to my surprise I was billed for XXXX XXXX XXXX {$220.00} for a charge made on XX/XX/XXXX. I contacted Avant and a fraud investigation was opened. The charge was removed but was recently added back to my account stating that no fraudulent activity was found. I requested this investigation be reopened and charges be be removed but when I call I seem to get the transfer tree with no resolution. Can you please assist me I can not afford to be a victim of fraud during this COVID ; any assistance will be appreciated.
Product: Checking or savings account

I filed a dispute for two {$500.00} charges and one {$1000.00} charge in my account because I had gotten scammed. The scammers sent me a check through the mail which cleared through my bank for two whole days which prompted me to believe it was a real check since the balance of my account reflected that. I filed this dispute on XX/XX/2024 and has been calling for any updates since no one has tried to contact me for any proof of the event and then I got a letter in the mail around XX/XX/2024 saying that I am not eligible for a reimbursement because my account reflected the transactions. First of all, I just opened my CitiBank account not even a year ago ; in fact I did not even have a XXXX account under the bank account until the same day I sent the money to the scammers. Second of all, I have never sent such large chunks of money out of my account ever since I opened it. And lastly, I have never received a check larger than my normal paychecks of {$1000.00} deposited into my account. I have explained the situation to multiple agents and they would promise to connect me to an agent but then they would hang up and I would have to call again and redo the entire thing. No one has ever reached out to me during this entire " investigation ''.