23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

- I bought a XXXX computer for {$470.00} on XXXX/XXXX/XXXX - I received the product on XXXX/XXXX/XXXX, and returned the product 1 day later, that is XXXX. XXXX confirmed the receipt of my return on XXXX. 

- XXXX did not process my refund until XXXX/XXXX/XXXX after multiple calls from me to XXXX. 

- Since the refund was not reflected on my Citi Bank credit card, I asked Citi to check and they see no refund, while XXXX kept confirming they refunded already.
Product: Debt collection

During the XXXX year XXXX I was living with my XXXX  and XXXX XXXX  and I started to notice my credit score having weird charges and credit cards. For example I have a XXXX credit cards opened XXXX on XXXX XXXX, for a limit of {$500.00} and another capital one card Opened up on XX/XX/XXXX and Ive never even been to a capital one bank.
Product: Debt collection

Trans union i have contacted this company several times, through phone and email and they say it's been fixed. I do not have any outstanding bill with this company and do not owe this debt. Please remove. {$160.00} XXXX XXXX XXXX XXXX XXXX. 
I have now written the XXXX concerning this as well as CFPB and notified the company via phone and written statement. This is unfair to collect a debt that isn't mine.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX : XXXX Dear Experian, I am writing to formally address a critical issue regarding the accuracy of my credit report and your handling of disputes related to identity theft claims. Despite my repeated attempts to resolve these issues, I am deeply concerned about the ongoing inaccuracies that persist in my credit profile. 
As you are aware, my personal information was compromised in significant data breaches, including the Equifax breach and all three XXXX XXXX XXXX These breaches have resulted in fraudulent accounts and incorrect information being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically governed by United States Code 15 USC 1681, credit reporting agencies such as Experian have a legal obligation to ensure the accuracy, fairness, and privacy of consumer credit report records. 
I have diligently submitted disputes to Experian regarding these fraudulent accounts and invalid information that has been reinserted into my credit report after previously being removed. Despite providing ample documentation and evidence supporting my claims of identity theft, Experian has failed to conduct a reasonable investigation into these disputes. This failure not only violates your duty under the FCRA but also perpetuates financial harm and insecurity for me. 
Therefore, I formally request that Experian take immediate action to : 1. Conduct a thorough and unbiased investigation into the disputed accounts and information on my credit report.

2. Remove all inaccurate and fraudulent accounts that have been identified as a result of identity theft.

3. Cease reinserting invalid information into my credit report without proper verification and validation. 
Failure to promptly rectify these issues and comply with federal guidelines may result in legal action, including pursuing statutory damages for the harm caused by Experian 's inaccurate reporting. This situation has caused significant stress and uncertainty regarding my financial standing.

I expect Experian to uphold its obligations under the FCRA and ensure that my credit report accurately reflects my true financial history and status. Please provide me with a written response outlining the steps Experian will take to address these concerns and the timeline for resolution. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and a swift resolution. 
Sincerely,
Product: Credit card or prepaid card

Received a prepaid debit card from a company called NETSPEND that I never asked for. A letter along with it telling me to activate immediately. This is a legitimate debit card that I solicited. Their customer service admitted they send these out as a way to solicit business
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report since XX/XX/2022 has been on a technical temporary freeze by Equifax. I have called multiple times for Equifax to fix this and they have failed to do so. I can not get any credit report or credit if pulled with them as the error message BLNK appears. I need help because I have done everything they have requested and they still do not fix this so I can see or get a current credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account is showing a {$500.00} charge. I did not have an account with XXXX XXXX in since XX/XX/2019 the month I switched to XXXX. They are trying to charge me for cable that I did not use. I switched back to spectrum in XXXX. I called telecom prior to close my account on the day of my scheduled install. I originally thought the charge was for equipment that I turned in XX/XX/2019 and XXXX XXXX informed me that they charged me well beyond what I would of been using them.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX Radius Global Solutions Radius reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX  and XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am being hit with a hard inquiry from XXXX XXXX for the month of XX/XX/2020. I did not apply for anything XXXX XXXX or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report resulting from identity theft. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent 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  To support my dispute, I have included the following documents : 1. A copy of my government-issued photo ID 2. Proof of my current address ( e.g., utility bill ) 3. A completed Federal Trade Commission ( FTC ) Identity Theft Report
Product: Checking or savings account

Part of Wells Fargo settlement to confirm bank fees and overdraft fees were charged incorrectly
Product: Debt collection

My credit repair company has sent out numerous dispute letters to LVNV funding LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as you can see through my company 's response letters LVNV Funding LLC has not followed up with a response letter or if they did it was a stall tactic which didn't provide proof of debt validation. Also, On XX/XX/XXXX, I sent out a pay for delete letter by certified mail to lvnv funding llc. In the letter, it stated the debt collector had 10 to 15 days from the date they received it which should've been received by the XXXX of XX/XX/XXXX on their end to reach a settlement agreement or else send full proof of validation. Its XX/XX/XXXX, which is well over the deadline and I still haven't received any correspondence letters from LVNV funding llc. Under the FCRA law, this account should be deleted from all 3 credit reporting bureaus being that its been well over 45 to 60 days since a response.
Product: Bank account or service

In XX/XX/2016, I was induced to open a Citibank CitiGold Checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account, making {$1000.00} in debit card purchases, and scheduling two bill payments from the newly opened account. Over the past month, I 've reached out to Citibank trying to obtain confirmation of when my AAdvantage points would reach my account but they 're either blatantly ignored me or given me a broad explanation of why I may be denied the bonus. My attached document provides a timestamped breakdown of my inquiries with them.
Product: Debt collection

XXXX XXXX XXXX sent a {$62.00} charge to collection agency credit management however, I do not owe them. They actually gave me a credit because I did not owe them this amount. It was their error. I went through the chain and reported it to the credit agencies contacted the credit management and XXXX XXXX they were like no you dont owe anything it got deleted from my credit report on XX/XX/ and then got put back on XX/XX/23. I called XXXX  today XX/XX/23 and they asked me to three-way call credit management the collector and include them in the phone call so they can let them know that there was no debt. They said they sent the letter showing nothing was owed and for account to be removed from all credit bureaus on XX/XX/23. I said I understand however it got removed and put back on my credit report XX/XX/23 They would not listen to what I was saying and was rude to me. I asked to be mailed copy if letter sent to credit bureaus.so I can submit with another dispute. We shall see if that happens. This has dropped my credit score 30 plus points. Considering I didnt owe this and it was XXXX error to even send to collections and the fact that XXXX  sent me a credit this is wrong. Very wrong. Someone should be accountable.
Product: Credit reporting or other personal consumer reports

Experian has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/ request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

Experian is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. Experian is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses
Product: Credit card or prepaid card

A charge appeared on my CC ( American Airlines Advantage ) that was made on XX/XX/XXXX at a restaurant that I did not go to. I disputed the charge and they removed it. I then received a letter telling me that they were reversing the charge because " I had to use it because of the chip technology ''. I asked them to show me the receipt with my signature and have not received a reply. I have been trying to dispute this since XXXX. 

I sent another email yesterday to Raising Concerns @ Barclays : I've been trying to dispute a charge on my CC since I received my payment in XXXX. 

I have received another letter telling me that " I had to have possession of my card due to chip technology ''. I don't know how many times I need to say this ; I DID NOT USE MY CARD!!! 

I have repeatedly asked for evidence of my signature on this charge and have yet to receive this. 

If someone would bother to look at my payment history, you would see that I do not report issues unless I've been scammed!!! 

This is getting ridiculous. This is the second time that I have received a letter like this. There is no point talking to the Fraud Department or Customer Service as they either do understand English very well or are just incompetent. 

There is no investigation because he one is responding to my concerns. Again, where is my signature on this bill from XXXX XXXX. 

I have been in contact with the XXXX and will now follow a complaint with FCC and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$9200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the collector Affirm for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Affirm to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Product: Money transfer, virtual currency, or money service

Without requesting it, I received a Square business debit MasterCard in the mail. There was no enclosed explanation, and the only instructions were to activate the card via some Square Dashboard which I have never used, especially not as a business proprietor.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These late payments were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Checking or savings account

On Friday XX/XX/XXXX a transaction was processed to my account from XXXX XXXX for {$100.00}. This money was taken from my total balance, and at the time there was around {$500.00} left in the account. Either the next day or on Monday, a {$40.00} transaction from Acorns was processed to my account. The funds were available in the account at that time. 

On Tuesday XX/XX/XXXX, Chase charged two {$34.00} overdraft fees to my account for both of those transactions. The explanation was that the money was being held by the vendor and didn't process until after the initial dates they were supposed to have come out, but if my balance was already reduced by both of those amounts, I should not have been charged fees on those transactions. 

I would ask that both of the fees be reversed. It is unfair for banks to say they are " holding the funds '' and waiting on the vendor when the balance on the account was show that the funds have already been taken out of the account and sent to the vedor.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account ( XXXX Acct # XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a Transunion account so that I could place a fraud alert on my credit report. In order to try to get to the page with the free fraud alert, they asked for my credit card number. Nowhere on this page was a price listed, so I assumed this was just to keep on file. They charged my credit card for a subscription. When I logged back into the account to access the service they said was included in my subscripted ( a 3-agency report ), they tried to charge me an additional {$29.00} for the report they said was included with the subscription. When I tried to call to complain about this, all I got was a recorded message saying nobody was available to help. This is ridiculous. Getting a credit report should be ( and is ) free. Transunion uses shady internet rerouting to force people into paying for free services.