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

Hi, My name is XXXX XXXX. On XX/XX/XXXX I was charged {$900.00} on a Neiman Marcus charge card which is issued by Capital One. I received a statement in XXXX in which I didn't recognize the charge and I called Capital One. The said they would investigate and opened up a case. The case number was XXXX. I received a letter on XX/XX/XXXX stating it was resolved and the charges were reversed. Shortly thereafter I was again charged the full {$900.00}. I made calls both to Capital One and Neiman Marcus. I was I informed that the charge took place in a Neiman Marcus store in XXXX XXXX Florida on XX/XX/XXXX. I was never in XXXX XXXX during that time. I have records that I was physically in NJ that week and I also have XXXX  receipts that show my toll history for that week as well. I was never informed what the purchases were that amounted to {$900.00}. In all honestly, I rarely use this card as I haven't been shopping at XXXX  much. Capital One was not interested in my proof and got quite nasty with my on the phone. Their explanation was that since I was in possession of a card it had to be me at the store. They declined to send me a receipt or to let me know which card was used since apparently the sent me an updated card in XXXX or XXXX. I normally get emails and transaction alerts on the app when I do make charges and I never received an email or alert in XXXX. My last email and alert on the app was in XXXX for a minor purchase. My phone number is on my profile and always used during purchases to get points on the transaction. For this {$900.00} transaction my phone number was not used and I received no points. I'm frustrated and disappointed in both the lack of transparency with Capital One. I thought they worked with their customers rather against.
Product: Checking or savings account

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX and XXXX Was Withdrew From My Account, I Immediately Called Chime Bank When I Noticed the Unathorized Account I Was Told Id Be Eligible for a Temp Credit for the Amount I Have Been Denied wothout Proof of Thorough Investigation 3 times I Have a Lawyer Reach out to Them and They Still Refuse to Give me My Money Which is Said to Be FDIC Insured
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting Under FCRA Laws Dear Bridgecrest, XXXX, XXXX, XXXX I am writing to formally dispute the inaccurate reporting of late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I have identified late payment entries on my credit report that I believe to be erroneous and request an immediate investigation into their validity. 
The specific account ( s ) in question : Creditor Name : Bridgecrest Account Number : XXXX Date of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. 
Under the following federal laws, I request that these late payments be removed if they can not be properly substantiated : 1. 15 U.S. Code 1666b - This law requires creditors to promptly post payments upon receipt to avoid misrepresentation of late payments. If my payment was processed incorrectly, this may have led to an erroneous late mark on my credit report.

2. 15 U.S. Code 1681a ( 2 ) ( 1 ) - This section defines credit information as sensitive consumer data. Inaccurate reporting of my payment history misrepresents my financial reliability and constitutes an unfair practice under the FCRA.

3. 15 U.S. Code 6802 - This law governs the disclosure and privacy of financial information. If my payment history was shared inaccurately, it is a violation of my consumer rights.

4. 15 U.S. Code 1637b - This section pertains to creditor billing practices and ensures that any adjustments or changes to an account are handled fairly. If my payment history was misreported due to incorrect creditor adjustments, this law supports my right to dispute such errors. The information in section 1637b was mailed to consumer not later than 21 days. 
I request that you conduct an investigation into these late payment reports and provide me with a written response confirming their accuracy. If the reporting creditor can not verify the legitimacy of these entries, I expect them to be removed immediately, as required by the FCRA. 
Please update my credit report accordingly and send me a revised copy reflecting the corrections. If the investigation does not resolve my dispute, I request a detailed explanation of the findings and the method used to verify the accuracy of the information. 
I appreciate your prompt attention to this matter. Per the FCRA, please complete your investigation within 30 days. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Citibank NA, Best Buy. Citibank NA, Best Buy is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Citibank NA, Best Buy is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Citibank NA, Best Buy any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2020 ( XX/XX/2020 ). If they are not removed, I will hold Citibank NA, Best Buy criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Citibank NA, Best Buy can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account is reporting TWICE on my credit report. Same amount, creditor, yet this is being reported by two entities from same company.
Product: Credit card or prepaid card

On XXXX, I notice my Chase XXXX Visa prepaid debt card was removed from my Chase bank account. So I made the call to speak the agent. I was told the account got closed at end of XXXX since Chase is no longer provide the product and the card has no activities in past 60 days. I applied this prepaid card in late XXXX and transferred the money from Chase checking account to this prepaid account. I didn't receive any notice about the account closure or related memo an reminder. This card has been linked to my Chase Checking account on line. If I were notified about the reminder, I would transfer the money easily and quickly to prepaid account. Also, I have a Chase Investment account linked together which has no activities for more than year. That account is still open without getting close. So it does not make sense the account has no activities in past 60 days and got closed without informing the customer since there is also an active account has no activities in past year but no closed. I had the agent escalated my issue to the different team and my call got hung up after I provided all information. Besides I didn't see any terms of account closure requirement while I open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ohio XXXX XX/XX/year> Midland Credit Managemen XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear MIDLAND CREDIT MANAGEMEN, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, XXXX XXXX U.S Code 1681c-2/ and section 605b of the fair credit reporting act a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these ITEMS IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S code 1681b-permissible purposes of consumer reports ( a ) in GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.as a consumer I am demanding the deletion of the accounts listed immediately
Product: Debt collection

Credit Collection Services 1st attempt was to collect {$68.00} by XX/XX/XXXX. I called them and told them I cancelled the auto/renters insurance policy with XXXXXXXX XXXX  ( for lack of service and price hikes each renewal ). I called XXXX in XX/XX/2023 and told them the policy would not be renewed. Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX recently sent me a debt collection for {$27.00}. I have disputed both.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries : Auto Loan Account : Company or Organization : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$39000.00} Personal Credit Card Account : Additionally, fraudulent hard inquiries have appeared on my credit report, originating from : XXXX XXXX XXXX XXXX These fraudulent accounts and inquiries have been reported on my consumer credit file maintained by Equifax and are the result of identity theft. I do not recognize these accounts or inquiries as legitimate, and they were not initiated, opened, or authorized by me. 

I have attached a copy of the FTC Identity Theft Report, case number # XXXX, as evidence that my identity has been compromised and that all the aforementioned consumer credit items are fraudulent.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to unresolved inaccuracies on my credit report concerning an Ally Financial account ( Account # XXXX ). The account, which Ally Financial received full payment through dealer buyback, has been incorrectly reported as a " charge-off. '' Key Issues : Ally Financial Reporting Error : Despite receiving in full for account, Ally Financial has inaccurately reported it as charged off. 
I have been unable to obtain account information directly from Ally Financial due to incorrect or conflicting address records. 
XXXX 's Dispute Process Failure : I initiated a dispute with XXXX, but they failed to resolve it satisfactorily. 
XXXX has provided inconsistent contact information for Ally Financial, making it impossible to establish communication or verify the reported information. 
XX/XX/year> : XXXX listed a XXXX address. 
XX/XX/year> : XXXX listed a Minnesota address. 
XX/XX/year> : XXXX reverted to the XXXX address. 
My certified dispute letters Tracking numbers XXXX and XXXX sent XX/XX/year> to both addresses failed to deliver : XXXX : Returned as " Moved, Left no Address. '' Minnesota : Marked as " In Transit to Next Facility, Arriving Late. '' Failure to Comply with FCRA Standards : XXXX violated FCRA 611 ( a ) by maintaining inconsistent furnisher addresses and failing to verify the disputed information within 30 days. 
Requested Actions : Immediate deletion of the inaccurate Ally Financial account information from my credit report. 
Confirmation of this correction in writing. 
XXXX that both companies will address and resolve the systemic issues contributing to these errors. 
Evidence and detailed documentation, including tracking numbers, dispute letters, and XXXX reports, are available upon request.
Product: Money transfer, virtual currency, or money service

Money on hold for 180 days per paypal. 
The account email is XXXX and the Account name and holder is XXXX XXXX XXXX which is also me, the phone number registed to the account is mine, the email registered to the account is also mine, the money was donated through XXXX as a donation to an account named XXXX, which can also be tracked. Just give me my money, I don't understand.
Product: Checking or savings account

My account in Robinhood has been locked for over a month with {$1500.00} balance in it. Robinhood support requested a bunch of verification questions as well as the document. 

All of which have been answered and the bank statement provided numerous times. However, Robinhood has been asking the same information again and again via different customer representatives asking me the same questions and same documents. 

Robinhood requested pdf statement from bank ending in XXXX. I requested an official statement from the debit card provider and I attached the document to the link they provided to upload. It has been weeks since and my account is still locked. Please provide immediate resolution and release my funds ASAP. 

Attached is my email correspondence with the bank ending in XXXX to provide me an official statement for account ending in XXXX. As well as the statement that I received which was provided to Robinhood numerous times.
Product: Credit reporting or other personal consumer reports

A fraudulent application was made in my name with Equifax. I called them to freeze my credit reporting and they won't do it over the telephone. My cell phone is private information they don't need since they have my email address. I asked them to email the code to access my credit report. They refused to use email. I don't want my cell phone used for that. I use my landline phone for that. They wouldn't then send it verbally to my landline, which they also have on file.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( XXXX Creditor : 01 XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is closed with a zero balance it is not a collection. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request this account to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on this account has been cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I settled a collection account for less, the company agreed to delete it from credit report. The account has not been deleted, they only updated to paid less in settlement. I disputed this account with XXXX and provided the proof, XXXX refuses to delete settled collection account. If an account is paid with a XXXX balance why is it still showing on my credit report in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX. I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX- there is no reason for the agencies not to remove this ASAP. To date, only XXXX has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both TransUnion and XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against TransUnion but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for XXXX in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX FIN-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX