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

I purchased a item from XXXX XXXX on XX/XX/2020 at XXXX XXXX. Total amount : {$270.00}. 
XXXX XXXX website shows delivered on XXXX XXXX. Since I never received this item, I contact merchant and XXXX  immediately trying to find my package. The merchant suggest me ask bank to dispute it. So I contact a specialist at Goldman Sachs to help me get refund. After that, Bank says merchants provided detail that the item was left at the door, so they closed this case. I contact one merchants manager, she said she wants refund me but she cant. She must use the same way and card to refund. So I talk to bank again hope they can reopen this case so merchant can refund me. But they keep saying they can do nothing. I also provide them the managers cellphone number so they can call her. They just dont want help me to get refund. I want my money back and I will never use Apple Card ( Goldman Sachs ) again.
Product: Debt collection

Diversified Adjustment Services INC, has been reporting a incorrect balance and debt under my name to Credit Bureaus that I do no owe to them. Severely negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XX/XX/XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Experian, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2 ( a ) Accounts in Question : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 



Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 



Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 



Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 



Sincerely, XXXX XXXX XXXX
Product: Mortgage

Midland Mortgage division of Midfirst bank. 

I am in the beginning of XXXX  XXXX bankruptcy. I filed because of credit card debt not because of my mortgage. I pay on time and only had problem during covid. I was with " another mortgage company at that time. I was given a forbearance followed by a partial claim. Since then I had no problems until I went online at the first week in XXXX and discovered no online options for payment were available for me. 

I called customer service and was told because I am in XXXX  XXXX, I will have to mail or overnight my payments. I commented that is causing a hardship for people trying to hold it together. The said that is just the way bankruptcy customers payments are accepted by the company. I had received no communication from them alerting me to this procedure. 

I was upset and hurt because I believed I was dealing with a pretty good company that cared for customers. I called back and I was informed that I could wire my payments. I wired my payment that day. I had to pay my credit union {$15.00} to wire it and pay the mortgage company {$8.00} to receive it. That was XX/XX/2023. I called today XX/XX/XXXX and I was first told they didn't see it. Then they informed me that my payment would be credited to my account within 5 business days of them pulling it down? ( I think that's what she called it. ) I asked them to provide me with written acknowledgement. The said I could see that info on my statement. I told her I checked on line for payment history and it was turned off. She said, yes bankruptcy customers don't have access to that information. 

I don't think this is right. I can't get confirmation, I can't see my payment history, I have to pay money to get payment on time and they do not immediately apply the money to my account. Please help me. This is bad business! I just want a receipt when i pay my bill l and having to go through so much to pay money on time and I can't see or get confirmation is like dealing with a loan shark or some other type of villain. I don't trust this kind of dealing. My payment is XXXX per month and I have no way to acknowledge or see when it is posted until my statement is sent.
Product: Checking or savings account

I cancelled a suspicious order and the vender still shipped the order.

Wells Fargo Claims Team informed me to refuse the package.

I refused the package and the package was sent back to vender.

Wells Fargo Claims denied my claim stating there was no error.

I'm out {$200.00} with no help from Wells Fargo.

Tracking information is USPS XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, XXXX, EXPERIAN ". This charge may lead to a lawsuit. 


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

I am so very angry at Experian- they are reporting invalid credit inquiries 2 of them on XX/XX/year> from XXXX XXXX and XXXX. These are not from me and in fact from a business EIN XXXX XXXX XXXX XXXX and should NOT BE LISTED ON MY PERSONAL CREDIT REPORT FOR A BUSINESS. I have called Experian and they refuse to understand or acknowledge or fix this. Therefore I filed the attached fraud report with the FTC! It is FTC report # XXXX. These Experian companies should be fined for allowing invalid records on personal credit reports. I will be suing them for {$1000.00} per inquiry along with the other agencies XXXX and XXXX if these aren't removed by XX/XX/year> as this impacts my existing credit and has already impacted my future to complete my school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

XXXXXXXX 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

There is an account on my credit report that was originally opened and reported as delinquent in XXXX from XXXX XXXX and a company that was contracted to collect the debt. First and foremost, someone used my credit to obtain energy services from XXXX XXXX  while I was not living in the dwelling that the bill is registered to, but on top of that fact, every couple of years, the credit reporting agencies keep reporting the account as a new account on my credit report when in fact this account has been on my credit report since XXXX or XXXX. Today, XXXX this account is being reported as an account that was opened in XXXX. I disputed the account and notified them how long ago this account was originally posted and they still are reporting it as new through Experian.
Product: Debt collection

I never did business with the company XXXX XXXX and that I disputed it 2 times and both the company and the credit bureau never provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.
Product: Credit card

On XX/XX/2023, I sent via certified mail to the headquarters of capital one financial corporation addressing the XXXX XXXXXXXX XXXX and the legal department, my legal tender of payment ( Bill of exchange ), Along with the instructions regarding account ending in XXXX. Capital one responded XX/XX/2023, stating my request could not be acted upon because I was currently the primary account holder, and responded on XX/XX/2023, stating in order to fulfill my request that i could either call or mail in the documents for my consent to this request. I then proceeded to call and spoke to a representative named XXXX ID number XXXX and a supervisor named XXXX ID number XXXX, neither of the persons i spoke to knew what i was explaining and denied my request saying that it was not accepted and that they do not accept the form of payment that was sent via certified mail. On XX/XX/2023, I mailed my petition for equitable relief to the clerk of court for the United States district court in the eastern district of North Carolina. On XX/XX/2023, I sent via certified mail another bill of exchange for accounts ending in XXXX, and XXXX. On XX/XX/2023, I received notifications from XXXX that both accounts were closed by XXXX. I then called customer service to speak to a representative regarding the accounts being closed, i was told i would be receiving in the mail as of why they were closed. On XX/XX/2023, I received the letter in the mail stating my accounts were being closed ( illegally ) and stating that i was still responsible for paying until account reaches XXXX. On XX/XX/2023, I sent via certified mail to the XXXX XXXX XXXX an affidavit of truth & a cease and desist letter with the demands from i, the consumer, along with proof of the violations that occurred upon closing my accounts illegally, and a bill of particulars for each and every violation that occurred because of capital one 's actions. Capital one is in breach of fiduciary duty which is a violation of civil money penalty 12 USC 504. Capital one has willfully violated 12 USC 504 and is knowingly in violation of 12 USC 504 and has still not complied. Capital one is also in violation of 15 USC 1666d and several other codes listed in the attachments provided. I hope this matter is resolved in good faith for I have been damaged by capital one 's illegal actions.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX XXXX XX/XX/year> Possible Financial Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Washington, XXXX Subject : Dispute of Debt Collection and Reporting Practices Dear Sir/Madam, I am writing to formally dispute the debt collection practices of Possible XXXX XXXX XXXX XXXX pertain to an account placed on my consumer report. This account, referenced as Account number : XXXX, has several violations of my consumer rights as protected under federal law. 

Specifically, Possible Financial Inc. has failed to provide the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) before placing this collection on my consumer report. This regulation mandates that debt collectors must provide certain validation information about the debt, yet I have received no such documentation.

Additionally, I have not been given the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This regulation ensures that consumers have the chance to challenge the validity of a debt before it is reported to consumer reporting agencies. The failure to provide this opportunity is a clear violation of my rights.

Moreover, Possible Financial Inc. is in violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means in their collection practices. Such conduct is explicitly prohibited and is harmful to consumers.

It is also important to note that Possible Financial Inc. has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. The actions taken by Possible Financial Inc. are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which govern the furnishing of information to consumer reporting agencies and the responsibilities of furnishers to provide accurate information.

I demand that Possible Financial Inc. immediately cease reporting this account on my consumer report and remove any related entries. Additionally, I request that you provide all validation information related to this debt as required by law, and that I am given a proper opportunity to dispute this debt. 

Failure to comply with these requests will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to resolve this matter within 30 days. 

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

I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy XXXX Dock # XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 a account without my written instructions I am certain I did not provide anyone with my written consent!
Product: Checking or savings account

I have an online banking acct with chime bank also known as XXXX  XXXX  I have had the acct almost ten years. 2 years ago I was locked out of my acct and have written emailed called over 100 times in an attempt to resolve this I still can not access my acct yet they continue to accept my direct deposit each month I am attaching a conversation from yesterday where again. I attempted to do this and was met with yet more harassment from this company I have over 20 of these conversations on file where I have done the same thing and they continue to bully me and still have acct locked. The second is the conversation yesterday where after 10 hours of me providing over and over what they asked for they just keep asking for the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts 1. XXXX XXXX/XXXX XXXX ( XXXX XXXX , XXXX XXXX Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX CARD SERVICES ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XXXX XXXX XXXX. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX XXXX. XXXX XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX DXX/XX/XXXX
Product: Prepaid card

I received an Amex e gift card and have tried using it at multiple online retailers and it gets rejected every time even though there is {$500.00} on it. I called Amex and they said I need to use it at a place that doesn't require a zip code but every place requires a zip code. I even tried adding it to online wallets and that did not work.
Product: Debt collection

They call me 4 to 5 times a day for 5 day straight
Product: Debt collection

Delete the late dates of the disputed items from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017, I s ent a certified letter  to PNC Bank re questing proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing  XXXX  that the debt has been disputed. Note : This certified letter was signed for by PNC Bank on  XXXX   XXXX  , 2017.    On  XXXX   XXXX ,  2017, I pull ed my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,  2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 after th ey signed for the certified letter on  XXXX   XXXX ,    2017 an d the information has yet to be updated to claim I have disputed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive communicated with ( TransUnion, XXXX, and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, but its also illegal. By law, 15 U.S.Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. I've had to ask multiple times how each credit agency verified account XXXX XXXX XXXX XXXX  # XXXX. To my dismay, I have received no clear answer. This week I received a judgment in the mail Stating I don't owe the debt. 

Please see in attachment for further documents.
Product: Debt collection

XXXX XXXX IQ data international debt collector XXXX Washington XXXX Called at XXXX I was at worked asked to call back at 1 they did. Stated I owed XXXX in damages from apt XXXX XXXX XXXX an XXXX XXXX property. I emailed them they did verify they sent them a debt collection. I think owned by same people. 

They said they if I didnt get a 16 digit credit card and pay by XXXX XXXX   tomorrow they would send my credit to the credit bureaus and hurt my credit. I asked them to send that in writing. They said they would email. I said ok they still havent. I want to pay in protest because I cant review claims and I feel its a type of scam to pay only by credit card. 

Please help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> :