23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving telephone calls on my mobile phone from American Accounts & Advisers ( AAA ) out of XXXX XXXX Minnesota. Today someone who identified themselves as " XXXX XXXXXXXX '' called my mobile asking for someone else. He proceeded to tell me about how they did not have a good number for this person and " thought they would call me ''. I asked why he would call my cell phone when I was not this person. He again said " we do not have a good number ''. I asked if I was listed on the account as a contact and he said " no ''. I asked him " then why are you calling my cellular phone '' and he said he had a personal business matter with the person ( and again gave their FULL name ). I asked if it was a collection and this was " skip tracing '' and he said " yes '' - illegally disclosing that this was a collection. He then ended the call without allowing me the chance to get a word in edgewise to tell him not to call my mobile number. I called back and he would not answer the telephone. I called the company and asked for the supervisor ( who turns out to be the owner XXXX XXXX XXXX but he also would not answer the telephone. 

I have been in contact with the person they are calling MY mobile number for and have been disclosing information about and let her know what happened and the violation of her rights that has taken place. Needless to say, she is irate and plans to take action herself as well.
Product: Credit card

I am in the process of rebuilding my credit so I decided to open up a account with the company country door due to being sent in a a XXXX XXXXXXXX with a pre approval amount. The way you apply for their credit is to order an item 1st and they approve you after you submit your order they approve me for the full amount of my order which was {$460.00} and quickly shipped out the item then after the fact, they updated my new credit account with a credit limit of {$100.00} Which then intern put me over my credit limit for {$100.00} or say {$300.00} and then they reported it to the credit bureau and it destroyed my credit and drop my credit XXXX points. I reached out to them to email it first they gave me completely wrong information so then I decided to give them a call today and they didnt give me any information. They said its written on the website and nowhere on the website or on any bill that Ive received. Do they disclose that information they dont tell you they dont disclose anything until after youve already received the item Upon calling and speaking to the customer service representative in the credit department , she wouldnt give me any answers she was trying to blame it all on me when it was obviously they are wrongdoing. Ive never heard of a credit account being approved for more sent the item and then having a lower credit limit that just they set me up for a failure right from the beginning, and they refuse to take any accountability or report the correct information to the credit bureaus
Product: Debt collection

Experience, reduced my credit score before doing detailed research on a false debt collection account that was fraudulent. I demand a huge boost on my credit score of XXXX points immediately!
Product: Credit card

The root cause, the crux of this problem is the false, fraudulent advertising, it involves a XXXX XXXX XXXX that was returned immediately for a full refund. 

The cost was {$60.00}. 

# 1 attachment Discover Card transaction date. 
# 2 attachment XXXX agreement to refund the money. 
# 3 attachment XXXX agreement of refunded money. 
# 4 attachment actual amount refunded. 

The unit was NOT made in XXXX - made in XXXX. 

The misleading boilerplate advertising is confusing and fraudulent to the buying public. 
Not in accord with the AZ Guarantee, the this, that, other technicalities do not cut it,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX -XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts lakmte never dont reconogzing account delincuency
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp fail to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer Act ( EFTA ) and regulations E. These actions have cause significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Unauthorized Hard Inquiries I hope this letter finds you well. My name is [ Your Full Name ], and I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit report, I have identified unauthorized hard inquiries that were made without my consent. I am requesting the immediate removal of these inquiries in accordance with applicable laws and regulations.

I refer to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), which states that a consumer reporting agency may not make a consumer report containing information that results from an inquiry into a consumer 's credit report unless the inquiry is initiated by the consumer or for a permissible purpose.

Unauthorized hard inquiries are not permissible under the FCRA, and I assert my right to have them promptly removed from my credit report.

Additionally, I would like to bring to your attention Section 1681i ( a ) ( 5 ) ( A ) of the FCRA, which requires consumer reporting agencies to promptly delete inaccurate or incomplete information. Unauthorized hard inquiries fall under the category of inaccurate information, as they were not initiated by me or for a permissible purpose. Therefore, I am requesting the immediate deletion of these unauthorized hard inquiries from my credit report.

I also reference the Credit Repair Organizations Act ( CROA ), which is designed to protect consumers from unfair and deceptive practices related to credit repair services. Unauthorized hard inquiries, not initiated by the consumer, can be considered a violation of these protections.

In light of the aforementioned legal provisions, I kindly request that [ Credit Reporting Agency Name ] promptly investigate and remove the unauthorized hard inquiries from my credit report. I expect this process to be completed within the timeframe stipulated by law.

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the unauthorized hard inquiries have been removed from my credit report. Thank you for your cooperation and adherence to the laws that protect consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong address:XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Wrong addressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Correct addressXXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. 

Correct Phone number : XXXX Please remove any other phone numbers. 

Correct DOB:XXXX Please update and remove any others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I filed an initial dispute with the bureaus on XX/XX/XXXX due to there being invalid and unverifiable information on my credit report. I never received a response from the bureaus so I sent another dispute on XX/XX/XXXX. Still, nothing from the bureaus! So I submitted a 3rd dispute on XX/XX/XXXX as well as a complaint through you because of the bureaus not communicating or acknowledging my disputes at all! This is now my 2nd complaint because you claim you need me to AUTHORIZE myself and my complaint, this is just hindering the process even more so!
Product: Credit card

I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX. 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.
Product: Credit reporting or other personal consumer reports

I have an unauthorized hard inquiry on my account from Mercedes Benz Financial dated for XX/XX/2023 that I did not authorize and would like deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : EQUIFAX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX. THERE HAS BEEN A ON GOING PROBLEM IM HAVING WITH EQUIFAX NOT SENDING ME MY RESULTS AS I HAVE REQUESTED VIA USPS MAIL INSTEAD OF SENDING THEM THRU THERE ON LINE SYSTEM IN WHICH HAS ME BLOCKED OUT AND DOES NOT WORK SINCE THE DATA BREACH OCCURED. I HAVE SENT COUNTLESS DISPUTES AND EVEN MADE A SEVERAL PHONE CALLS WITH REPSENTATIVES TO REMOVE AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDLENT AND IS NOT MINES. I AM A VICTIM OF IDENTITY THEFT AND THEY DO NOT DO PROPER INVESTIGATIONS EITHER.
Product: Credit card or prepaid card

I have called and mailed in documents to Barclay over the past few months. I have paid over {$4000.00} in payments. They think I am not me and have frozen my card but will not close it. I sent them property tax bill where i live on their records, my phone bill with number thats on my account, my bank statements with account i pay them from, my passport, my drivers licenses, my social security card, and my birth certificate. Yet they still say the account might not be me and they cant close it until i proove to them im me. They have no problems letting me log in and pay them every month out if my bank account but they think its not me
Product: Student loan

My student loans are ( unfortunately ) now administered by Nelnet.  They used to be with XXXX. 

I've tried calling, live chatting, and emailing Nelnet. Nelnet has a bad website, plus very slow customer service ( probably by design ), but they sure aren't slow about wanting to get your money. 

I have had a very good credit rating for a while. My student loan payment to Nelnet was due on XX/XX/XXXX. I paid Nelnet a few days later than the XXXX ; making my payment on XX/XX/XXXX by electronic means. 

In the meantime, I received a report that my credit rating had been dinged pretty hard. The report made it sound as though I had done something earth-shattering and catastrophic ( you'd think that I had defaulted on a loan or filed for bankruptcy ). 

I checked, and other than paying Nelnet a hand full of days after the XXXX, there is nothing that I can find that would explain the recent adverse credit report. 

If Nelnet pulled the trigger on reporting me for the relatively minor infraction described above, I would like to know, because it would certainly be a disproportionate overreaction on the part of Nelnet if that is what happened. 

However, Nelnet is very difficult to get a hold of - calling, emailing, etc. don't seem to result in any sort of timely or meaningful responses from Nelnet. 

I've made all of my payments for the month, and Nelnet is the only one that looks as though it could have triggered the over the top report to the credit agencies. 

I would like for Nelnet to actually have some customer service and to let me know whether it was Nelnet that did the report to the credit agencies. 

If it was Nelnet, I would like for Nelnet to withdraw the report, as it is over the top for making a payment a handful of days after XX/XX/XXXX. Given my history ( just ask XXXX ), I would hope that Nelnet could be reasonable and that it would choose good corporate citizenship over corporate degeneracy. 

Failing that, and in the event Nelnet did make the report to the credit rating agencies but will not try to make things right, please let everyone know about Nelnet. 

Also, can we institute a death penalty for bad companies? I think it would only be right since these companies claim to have the same constitutional rights as real people. Please let me know. 

Thank you for your time and attention to this matter. 

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

in XXXX of this year, I have a copy of a letter from XXXX XXXX addressed to Transunion that they requested the removal of incorrect/fraudulent applications that were made in my name for credit/store cards with the following, XXXX, XXXX, XXXX. I have today obtained an updated copy of my credit report dated X/XX/2017 from XXXX creditwise services to find that despite, me informing Transunion that I was a victim of fraud and that various attempts to apply for credit in my name was fraudulent. As of todays date Transunion still hold these searches on my report, which reflect negatively on my report. Transunion were already contacted in May! so almost 3 months ago from XXXX XXXX to say that they have requested transunion remove these searches from my credit file. Today my transunion report reads XXXX XXXX 2017 applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX WHY are this incorrect information STILL on my credit report?????!!! They were informed by me and by the bank they was fraudulent. Yet this incompetent company still holds incorrect information regarding me.
Product: Debt collection

I took out a credit card for XXXX. I was not working at the time but had a monthy percapita. Shortly after the pandemic hit. They told me if I didn't pay it back it would follow me for 7 years and never be able to get a loan. I tried to make payments but was unsuccessful. I also made a plea to pay what was initially owed as this is almost triple what I actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Southwest Credit Systems is stating that i have a debt of {$760.00} from a past XXXX bill. I do not remember opening this account if i did the amount stated is incorrect. I want to request a copy of my signed original contract, Please Validate And delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Collections on Credit Report Dear CFPB, I am writing to formally dispute the collections reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I believe that these collections are inaccurate, and I request that your office investigate the matter thoroughly. The collections in question could be possible fraudulent activity due to a known data breach in which billions of individuals sensitive personal information, including mine, was stolen by hackers. Im also a victim of identity theft from previous years back. I believe my information was compromised, making me a victim of identity theft. The existence of these collections on my credit report is unjust and has caused significant harm to my financial standing. Under 15 U.S.C. 1681, I am entitled to the assurance that all information reported about me is accurate and verifiable. Given that my identity was stolen and used without my consent, the collections associated with this matter are neither accurate nor fair representations of my financial obligations. I respectfully request that your office : Investigate the collections and accounts below in question to determine their validity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Contact the reporting agencies and collection companies to verify the accuracy of the information. Remove any unverifiable or inaccurate collections from my credit report immediately. Please note that as a victim of identity theft, I also request the CFPBs guidance on any additional steps I may take to protect my credit and hold the responsible parties accountable. The data breach law reinforces the necessity of addressing the consequences of such breaches promptly and effectively to minimize harm to affected individuals like myself. I look forward to your prompt response and resolution of this matter. Please contact me directly at XXXX if further information or clarification is needed. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

The American Express Serve Card system has been down sinceXX/XX/2020. I am not able to log on the mobile app or from a desktop.  The error message is that the system is down for routine maintenance. I never received a email or notice regarding this routine maintenance. Next I tried to call the customer service number ( XXXX ) XXXX. It gave me a busy signal. With repeated calling I once got a recording saying long wait times. I left my phone on speak and hung up when it got to one hour. I am not able to find any other way to get in contact with them. 
My COVID-19 stimulus direct deposit was sent from the IRS on XX/XX/2020. It is not showing in the account. 
Im a XXXX  XXXX  and in need of the funds. Please address this issue as soon as possible.