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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized BARCLAYS BANK DELAWARE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I received this response from PPA regarding my previous complaint : Thank you for your correspondence. We have reviewed the information. PPA apologizes for any unprofessional behavior. The collection rep should have offered to file the dispute on the customers behalf or advised that the customers disputed information would be best to be put in writing and submitted to PPA via email or fax so we may file your dispute on your behalf with our client. Putting the dispute in writing allows you to specify why you feel the balance is not justified and to include any documentation you have to substantiate your claim. PPA has placed the account on hold at this time pending the receipt of Ms. XXXX 's disputed information. She will receive no further contact from PPA pending the receipt and resolution of the dispute. Please submit the dispute to XXXX or by fax at XXXX attention XXXX XXXX. We will submit the dispute to our client upon its arrival. Typical turnaround for disputed information is 30-90 days. 

However today at XXXX XXXX they called me again from phone number XXXX. I have still received no written notification or validation of this debt. They are harassaing me and I even told them on the prior phone call to no longer contact me and even after they stated they wouldn't they still called me again on my cellphone while I was at work.
Product: Prepaid card

I had a prepaid XXXX card issued to me as incentive from XXXX to purchase their services. I the card was issued by Citi. I never used the card and infact lost it but I recently found a document with the account number and credit amount. 

I contacted the issuer Citi and spoke to several individuals who reported that the card had expired as of XXXX and the unused balance was surrendered as fees ( {$180.00} ). 

They would not re-issue a card. The last individual I spoke with told me that the card was issued in Pennsylvania so for some reason the Credit Card Accountability Responsibility and Disclosure Act did not apply to them. I 'm told that it is clearly in the terms and conditions for the use of the card. 

This seems entirely unreasonable and if it is n't illegal, as far as I 'm concerned it should be. 

I am interested in learning more about this law and filing a complaint.
Product: Debt collection

I had a debt collector call my boyfriend and give him information about my account. When I called them and asked why they said that he told them that he was me. I am female he is made. This debt is over 14 years old
Product: Credit reporting or other personal consumer reports

I am writing this letter to request the following information on my file be deleted. I sent a letter to Experian on XX/XX/, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?
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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquires that I have no knowledge of, Here are the inquires that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquires from my credit report. I also attached my identity report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
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. XXXX XXXX XXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have 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 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.
Product: Credit card or prepaid card

VISA Account Number : XXXX XXXX XXXX XXXX VISA Account Number : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX VISA Case Number : XXXX Merchants Name : XXXX / XXXX Date of Transaction : XX/XX/2020 Sir : On XX/XX/2020, I paid {$430.00} + {$430.00} = {$860.00} on VISA card with respect to two flight tickets. 
I was assigned XXXX flight number XX/XX/XXXX XXXX for XXXX from XXXX XXXX to XXXX, and flight number XX/XX/XXXX XXXX for XXXX from XXXX to XXXX. 

On XX/XX/2020 ; I received an email shown in EXHIBIT 1 from XXXX XXXX advising that flights were cancelled by XXXX. 

On XX/XX/2020 ; I phoned VISA and requested a charge back credit of {$860.00}. 

On XX/XX/2020 ; VISA issued a temporary credit of {$860.00}. 

On XX/XX/2020 ; I faxed document shown in EXHIBIT 2 to VISA, to comply with their request. 

I received a letter dated XX/XX/2020 from VISA ; shown in EXHIBIT 3. 
The letter advised that the charge for {$860.00} was being reapplied. The information provide by XXXX stated that I had requested a voucher in lieu of the credit of {$860.00}. This is a false statement, as I did not request such voucher. At this time, I request a credit of {$860.00}.
Product: Credit reporting or other personal consumer reports

I had a very long stay in hospital in XXXX. During which time I have very little memory or not at all of any requests for credit or why. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

THE COMPANY ACIMA XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY, AND I, HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. ON XX/XX/XXXX MY ALL CAPS NAME ENTERED INTO A CONSUMER CREDIT CONTRACT UNDER 16 CFR 433.1 ( i ) WITH XXXX XXXX XXXX XXXX, WHO IS THE SELLER DEFINED UNDER 16 CFR 433.1 ( j ) NOT, THE NATURAL PERSON. I USED MY CREDIT CARDS AS DEFINED UNDER 15 USC 1602 ( l ), AND UNDER 16 CFR 433.2 PER MY SIGNED CONTRACT AS THE DEBTOR I AM NOW ASSERTING MY RIGHTS THAT THE CONTRACT IS FRAUD BECAUSE IT WAS PAID WITH THE INSTRUMENTS LISTED ABOVE. ANY ATTEMPTS TO COLLECT A DEBT THAT HAS ALREADY BEEN PAID IS A VIOLATION OF 18 USC 8 BECAUSE OBLIGATIONS ARE OF THE UNITED STATES. ACIMA XXXX XXXX XXXX, IS NOW THREATNING ME WITH AN ALLEGED DEBT THAT THEY CLAIM I OWE, WHICH IS FALSE, UNFAIR, AND DECEPTIVE UNDER 16 CFR 433.2. THIS ORGANIZATION IS IN VIOLATION OF 15 USC 1681b ( a ) ( 2 ) THEY DID NOT AND DO NOT HAVE PERMISSABLE PURPOSE TO INFRINGE UPON MY RIGHT TO PRIVACY TO FURNISH A CONSUMER REPORT CLAIMING THAT I OWE AN ALLEGED DEBT THAT I DO NOT OWE UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), AND CAUSING DAMAGES, AND INJURIES TO MY NAME, REPUTATION, AND CHARACTER AS A NATURAL PERSON. The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress, in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( d ) ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Money transfer, virtual currency, or money service

I 'm trying to link my Capital One 360 account to XXXX, and Capital One is blocking me enabling external applications.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I was checking my school email as usual when I encounter an email from " XXXX '' about a transaction that I supposedly had for {$420.00}. I did not recognize such transaction and proceeded to contact the number on the email for " customer service ''. After calling I talked to a lady which verified my transaction number and full name. She also said that I had to download an app that was supposed to check for hackers. A few minutes after that she said I was canceled and I hanged up. I then opened my bank account to find that there were 4 XXXX transactions that I did not authorize in my history. First, {$980.00} were taken out of my account to " XXXX '' ( which I do not know ), then two attempts of {$800.00} were made which were not successful. Lastly, an amount of {$800.00} was sent to " XXXX '' *someone I also do not know ''. Right after I called my bank, Bank Of America, trying to solve the situation but it was a Friday at XXXX XXXX  so even though I called multiple times they would always keep me holding for hours, and then they would hang up on me. The next day I went to the closest Bank of America ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, United States ) but the manager told me that there was nothing he could do for me there. He said that I had to call again to Bank of America in the Scam/Fraud Department XXXX I did that I filed the claim for fraud on XX/XX/XXXX. I received an answer on XX/XX/XXXX where the bank denied the claim and said that they could not be able to help me.
Product: Credit card

I have har autopay setup for my CITI Card. I had a balance due of {$7200.00} due on XX/XX/XXXX which I paid off in full on XX/XX/XXXX. The company then debited my bank account twice for {$7200.00} even though balance was already paid off in full making my card balance > {$6000.00} negative. This financially impacting my ability to pay my mortgage and other bills and company refuses to reverse the debit leaving me in financial harm. 

They said they would refund {$6100.00} which isnt the entire amount and given no time frame on when it would be approved and then said once approved which has no timeline it is then 3-5 business days. The approval they said can take any time and could take more than a month! 

Autopay of a {$0.00} remaining balance should be a {$0.00} autopay but company double debited me due to system glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the evidence I have provided concerning the violations of both Federal Law and Florida Statutes that have been committed in the handling of the debt assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- which extend to committing mail fraud in an effort to cover up said violations -- the XXXX primary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute 83.39 ( a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than two months afterward and then feloniously intercepted it with the help of the Carrier for the route -- who was obligated to forward my mail on a permanent basis as of X/XX/2016 -- in an effort to prevent me from finding out about it ).
Product: Credit card

I opened an American Express gold card last year when booking XXXX XXXX flights to XXXX. The card advertised XXXX free miles to Gold AMEX customers. The miles were to be credited within a certain time-frame. As the miles were never credited to my account, I called American Express and complained. I was told that I was not eligible because I previously had an AMEX gold card. After I complained that this was not disclosed, the agent promised to credit the miles to my account. Several months letter, I followed up with another phone call only to find out that AMEX had no intention of crediting my account. They claimed that this was disclosed when I opened the account but could not tell me or provide me with any back up information to substantiate their claim. I notified them that their practice was illegal and told them I would be filling an official claim. Sure enough, they are sticking to their story - they notified me that this was disclosed during the on-line application process. I was not aware of it and as far as I am concerned, this was not disclosed. They can not prove that this was disclosed and none of my disclosures that I received show this being disclosed. What prevents AMEX updating their disclosure a year later and claiming that I was subject to it? I think that this is a deceptive practice to lure people into products which they otherwise would have no interest in attaining. What are my rights here?
Product: Debt collection

I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, XXXX because of a Capital One Bank credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were XXXX XXXX XXXX and they were collecting my Capital One account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, XXXX but a XXXX XXXX XXXX XXXX. XXXX in XXXX, XXXX. They send me letters of my payments and balance with a bar code and a reference number and with t he XXXX XXXX XXXX , XXXX on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the P. O. Box address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in XXXX XXXX and I have been getting calls everyday. They even have a spoof XXXX area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in XXXX she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a P. O. Box in XXXX, XXXX. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this P. O. Box address. Thank you.
Product: Debt collection

In XXXX 2009, I signed a XXXX lease with XXXX for my cousin. When the XXXX month term was up, I extended the lease for XXXX additional months, and she moved out when the lease was up. When I learned about the collection, I quickly contacted XXXX who verified that I did not owe them a XXXX. I 've attempted to contact BLAKELY-WITT in writing but I have not received correspondence form them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

Account - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked as inaccurate " NAVY FCU '' opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX