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

I am writing to formally request that all of the accounts listed below be blocked and deleted from my credit reports, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. As a result of this breach, these accounts were compromised and do not belong to me. 
Accounts to be Blocked and Deleted : XXXX. 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 XXXXXX/XX/XXXX
Product: Credit card

XXXX is order # Macy 's charged me the higher amount and wouldn't credit the price reduction and short shipped an item Please help
Product: Credit card

Number of fraudulent chardes on my account that banks either has not credit me for or provide status on fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to Equifax, XXXX and XXXX to no avail. Below is a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Thank you for your assistance in this matter and hopefully XXXX, Equifax, and XXXX will follow the laws laid out in the Fair credit Reporting Act.
Product: Checking or savings account

it seems like someone was able to open accounts that where not authorized by me and ever since then its been very hard for me to get back on track with life if I don't take care of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was lates on these accounts but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this matter resolved ASAP XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} ; XXXX XXXX Balance {$1400.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone opened a credit card account under my name with Comenity Capital Bank for a XXXX XXXX XXXX back in XX/XX/2021 approximately. I got the account closed with the agency they sold the credit card account to ( XXXX XXXX XXXX ), but they fail to remove the credit card account from the 3 credit bureaus, showing up as accurate ( all disputes were in XXXX, but exact date is unknown ).
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXX XXXX XXXX XXXX these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 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 XXXX XXXX XXXX and XXXX XXXX, have all 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 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: Debt collection

I made 8 payments of {$210.00} the balance reported it's wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH XXXX, XXXX, AND TRANSUNION. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

year XXXX  I was contacted by discharged department  of PNC Bank for payment. I was confused because Id had already been current on my account. They requested that month XXXX payment plus two additional payments for the upcoming months to prevent repossession. Huh, first  I was current on my payments and never received a letter or calls regarding my account going into charge off department. I requested proof of letter warning me about this issue ( NEVER GOT IT ). I also requested the 1099A/B for my tax records ( NEVER GOT IT ). They threatened me every month until I paid full price on an unknown discharged account. PNC Bank never reported my payments to the credit bureau but reported discharged closed case and thats not true. This company needs to be investigated for Auto loan violations process and why do PNC have there own DISCHARGE department ( this needs eyes on it ) PNC is ripping consumers off with the concept of discharging your account without notice of proof failed to send any requests by mail and via phone. Plus reporting false information towards the credit bureau to keep my credit score low and it impact my livelihood with trying to get another auto loan after paying off a unknown discharged vehicle. PLEASE, please investigate this company Im sure youll find other or more consumers theyve done this illegal process too. This has to STOP, and I want all my money back or remove the false item of discharge / closed case off my credit report. Yes I have proof of purchase and full title payment ( paid in full ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting declined for an Apple Card by Goldman Sachs Bank USA for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX at XXXX XXXX. to charge my customer {$500.00} + 6.35 % for a XXXX XXXX I own XXXX XXXX I had verified my bank account three or four times several times a few days prior to the queen and the transaction as well as the night before I am verified my bank account once I did the transaction and charge my customer I received an email stating that I must verify my account further by entering 10 qualifying questions and that I would receive my money within two business days if they could properly verify my account I must now figure out how to refund my customer wait for 3 business days for the customer to receive the money then ask the customer to pay me again by using a different venue or payment method I asked to speak to a supervisor XXXX stated that supervisors do not take phone calls I may never see this money if my account is not properly verified if I had to pay people I would not have been able to pay them today and I almost had an employee come work with me today that I would have had to pay this would have been extremely embarrassing and subject me to complaint in lawsuit
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
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 : # XXXX, XXXX  XXXX, XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, # XXXX and # XXXX, XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, have violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Mortgage

My mortgage payment was denied and lied about my past due timeframe also started new payment I could not afford and would not send modification papers when i had enough time. Ocwen mortgage is setting people up to loose my house. My name is XXXX XXXX from XXXX this is not the only problem I have with them they also have my escrow and my principal balance at XXXX when i brought the house please review everything and the peditory non servicing thieving practices
Product: Credit card or prepaid card

I was charged XXXX by a hotel I did not stay at. When I found out I contacted the hotel who said to report it to my card company which I did.. the merchant does not dispute a chargeback yet amex serve has yet to refund my money. They say 45 days but I get a different answer each time I call. They told me so many different answers I don't believe a word they say. They already did a charback over a week ago but won't credit my account because '' we are still investigating '' I don't think it's legal to hold my money this long especially after they already got it back from the merchant over a week ago
Product: Debt collection

A company called CRG ( I am assuming it's Columbia Recovery Group from my internet research ) leaves one to three ringless voicemails per day on my phone threatening to come to my house or place of employment to " collect a debt. '' They've been calling daily for at least six months. They've threatened to contact my supervisor and to have me arrested in front of my coworkers. I called them and told them I'm onto their scam and to stop calling me, but they won't. I asked the person who answered what kind of company they were and where they were located, but all the woman would say is " we're a litigation firm '' and proceeded to tell me off about why I had no right to know what their address is. My phone number has been on the Do Not Call Registry for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of hard inquires on my report that I never applied for been trying to get them removed to build my credit to start both of my businesses and dont know where to start with getting them removed fast as possible I personally never filled nothing out at all
Product: Debt collection

I sent discover a validation of debt and cease & desist letter on XX/XX/2021. Discover received the letter on XX/XX/2021. They only sent account " statements '' They never sent me actual validation of the DEBT. They violated me under the federal consumer protection laws. There are 5 requirements to validating debt under 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

Greetings I'm a natural person a free man and an original creditor pursuant to 15 USC 1692a ( 4 ) writing to have these fraudulent accounts removed from my consumer report immediately I'm executing my XXXX given rights pursuant to 15 USC 1692b. This information has been reported to the federal trade commission, and I have documents to support my statements. This has caused me extreme emotional, mental, financial damage to my life drastically impacting my livelihood as a natural person. I've been a victim of such terrible identity theft and I'm demanding the removal of these fraudulent accounts immediately : XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXXXXXX {$400.00} XXXXXXXX XXXX XXXX XXXXXXXX {$300.00} XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling Goldman Sachs and XXXX  and nobody has been able to even locate the account.
Product: Credit reporting or other personal consumer reports

I took a loan with this company in XXXX due to unexpected financial hardship and I was unable to pay any bills. I lost multiple jobs during this time and I have been denied ANY ASSISTANCE causing me to lose my vehicle. They have forgiven the debt, HOWEVER IT CONTINUES TO BE ON MY XXXX REPORT ALONG WITH EVERYTHING ELSE AND I AM ASKING THAT IS REMOVED BY XXXX OR I WILL CONTINUE TO COMPLAIN AND SUE FOR {$25000.00}
Product: Credit card or prepaid card

BofA Mastercard No way to close online. 

Telephoned-on hold XXXX XXXX XXXX XXXX, and counting. 

Sent an email. 

No way on line to send secure message.
Product: Money transfer, virtual currency, or money service

I was contacted by someone claiming to be from Citibank fraud protection. He claimed a checking account had recently been opened in my name and indicated that there were ( 2 ) XXXX money transfers made to an individual named XXXX XXXX for {$2500.00} and {$2400.00}. He provided me with cancellation codes and transferred me to a XXXX representative who indicated that in order to assign my case to a case manager, I would need to add him to my XXXX account as a payee and she would give me a ( XXXX ) digit code to enter in the phone number field. At this point I realized it was a fraud/scam attempt, hung up and called a XXXX representative XXXX XXXX found no evidence of a Citibank account opened in my name and recommended that I place a one year credit freeze with both XXXX and XXXX as well as file a complaint with your office.
Product: Debt collection

I received the most recent debt collection letter for XXXX XXXX XXXX today, XX/XX/XXXX. It came from a company called Convergent. This is the 5th Collection company that XXXX XXXX has sold this debt to. I do not owe this debt and it has been successfully disputed and removed from my credit report 3 times. The most recent being in 2020. I receive harrassing calls from Covergent for them and they are continuously hurting my credit score. I do not know who XXXX XXXX is and when Iasked for proof from them in XXXX, they could not provide any documentation. I am pretty sure that this is a credit scam.
Product: Prepaid card

There is a major issue going on with the Amex Serve card at the moment. People are attempting to withdraw cash from ATM 's, the money is not dispersed but it is still being deducted from their balance. 

For the second time in as many months I am sitting on the phone for hours with foreign based customer support most of whom barely speak XXXX and constantly repeat themselves as if they are reading from a script. I have asked for a supervisor and get hung up multiple times after waiting 10 to 20 additional minutes. Once this latest issue is resolved I WILL NEVER put another dime on this card, you ca n't trust them. This most recent time I attempted to take {$400.00} out of an ATM the bank denied it saying " {$400.00} EXCEEDS CARD CASH WITHDRAWAL LIMIT '' I thought this was strange ( the daily cash withdrawal limit is {$750.00} on the card, but thought the ATM had possibly had a {$400.00} limit ). I immediately tried again for {$300.00}, this time it went through with no problem, or so I thought. Although the ATM never dispersed the money, ( I have the receipts for all transactions and offered multiple times to send a copy or picture of them to American Express, they did not want them ) the {$400.00} BOTH the failed {$400.00} withdrawal and the successful {$300.00} withdrawal were deducted from my balance. I immediately called AE and was told that it would take up to 10 days to even start the dispute process and it could take up to 45 days for it to be completely resolved. I called back the next day and was told that yes, they originally thought it would have to go through the dispute process, but they saw a spike in these calls and realized they had a problem and were correcting them in batches. I was given a support ticket number and was told my money would be back on my account with-in 24 hours, It was not. I called back yet again and was told, once again that I 'd have to go through the dispute process and it would take 10 to 45 days. I 've NEVER had any kind of issue like this with any other bank or card. I 'm moving this weekend for a new job in a new city and that money is needed, NOW! The last time was an issue with XXXX XXXX pre-authorizing the card twice right at XXXX time for {$150.00}, XXXX XXXX bent over backwards trying to resolve the issue with Amex Serve yet to no avail it took a full 10 days for the money to be released from the erroneous hold, even though XXXX XXXX released it immediately. 
That money was almost the entirety of my unemployment benefit for the week, I have no other money. I need that money to move from XXXX to XXXX tomorrow for a job that starts on Monday. 
Here are some links to the post where I 've chatted with other people having the same issues : http : XXXX? XXXX XXXX : XXXX