23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, [ Your Name ] Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX
Product: Credit card

A credit card account was opened XX/XX/XXXX in my name fraudulently. I did not request the account. I tried to call to cancel the account and you can not ever actually get through to CitiCards CBNA unless you have your account number, which I don't because it is a fraud. The account shows on my credit report. 

Credit Card CITICARDS CBNA XXXX... 
{$0.00} Credit usage You aren't using this account right now. 

XXXX % BALANCE {$0.00} CREDIT LIMIT {$12000.00} Payment Status Credit Report Period XX/XX/XXXX Date of Last Payment XXXX XXXX Monthly payment Not available Statement balance Not available Payment History Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No payment history. 
Green checkmark. Meets requirement. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. 
XXXX No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. 
XXXX XXXX. Meets requirement. 
XXXX XXXX Meets requirement. 
XXXX XXXX. Meets requirement. 
Last payment received XX/XX/XXXX Highest balance Not available Account Age XXXX months Opened on XX/XX/XXXX Account Details Account Type REVOLVING Condition Open Responsibility INDIVIDUAL Term ( in months ) Remarks Date of Account Status XX/XX/XXXX Payment Status Current Times XX/XX/XXXX Days Late XXXX / XXXX / XXXX Creditor Info CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Debt collection

Re : Debt Validation Request for Account XXXX, Dear True Accord, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on XX/XX/year>XXXX  and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract. 2. Itemized breakdown of the debt amount, including any fees, interest, or other charges. 3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor. 4. Details of the original creditor, including their name and contact information. 5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Debt collection

Hello I have received two past due accounts with XXXX XXXX XXXX XXXX from Transworld systems inc. I have NEVER had an account with XXXX nor owe any money or any sort .There is no outstanding bill. I assumed the first letter was fraud but i just received another letter. I googled the internet and see that other people have also received these fraudulent debt collection mails. I tried calling XXXX for clarification but no one was able to help. Here are details of the mail. 

Mail from : Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX Date of mail : XX/XX/2020 File # # # # # # Creditor : XXXX XXXX XXXX XXXX Invoice : XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on Experian, XXXX, and XXXX for account number ( XXXX, XXXX XXXX XXXX ) which is a collection for a previously disputed ( XXXX, XXXX ), and ( XXXXXXXX XXXX  XXXX ) due to having no knowledge of this accounts or collection accounts. All companies, especially Experian, has denied to follow up with the investigation. I was recently notified that CFPB has a lawsuit against Experian. They accuse the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove nor correct any information or verify account to be mine. Im requesting this derogatory remarks be removed or correctly immediately as its affecting my ability to get a home and car. Experian violates my rights as a consumer, as well as federal laws.
Product: Bank account or service

I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain criteria. I met the criteria and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for months.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit card

I fell victim to a scam of an online gaming/casino site. This is my second complaint through CFPB about this. I am disputing charges because products provided to me were NOT AS ADVERTISED. This was not addressed in my last complaint ( see attached ). I tried to dispute the charges in the amount of {$33000.00}, but am unable to get my money back due to Robinhood Credit Inc. not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Robinhood Credit Inc.. I have not yet paid any of the charges due to me still disputing the charges with them. I am not satisfied with the results of the disputes made with Robinhood Credit Inc.. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX was in fact an illegal scam site, designed to lure people like me and steal their money. Products provided by XXXX XXXX do not have any value! They use advertising to provide some fraudulent coins. XXXX also blocked my account now. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Robinhood Credit Inc. has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and NOT PROVIDING WHAT IS ADVERTISED. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : XXXX and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Product: Checking or savings account

On XX/XX/year>, I logged online to move money around and noticed that 2 of my accounts showed a XXXX balance. I spent the next few hours on the phone with fraud and then the estate department. I was told that they received information that I was deceased and therefore froze my assets. They instructed me to call the SSA to confirm what they reported. The SSA did not have me reported as deceased. I was instructed by BOfA that I would need to get a letter from SSA and go into the branch to get this cleared up. After several visits, they were able to unfreeze the assets. I still have one account that I need to have fixed and have to make a third trip into the branch. I since found out that this entire situation was because someone within Bank of America mid keyed my SSN as deceased in error. I understand human error but the amount of time and energy I had to go through because of this should not have fallen on my shoulders. I want to know what they are going to do to compensate me for the time and anguish this has caused. 
They need to own their mistake and need to put safeguards in place so this doesnt happen to others.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unauthorized and fraudulent inquiry on my credit report " XXXX XX/XX/XXXX  ''. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  Account # XXXX, has 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 a account without my written instructions. 

XXXX  Acct # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Equifax 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights
Product: Debt collection

For months I've asked this company to provide me debt validation, debt verification and proof they have the legal right to collect on debts in the State of Florida which is where I reside. They refused. 

This is collection company Fair Collection and Outsource is currently in committing FRAUD AND ILLEGAL ACTIVITIES and IN VIOLATION OF ; State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation Penalties for violations.Any person violating any provision of this part shall be guilty of a misdemeanor of the first degree, punishable as provided in XXXX XXXX, and the circuit court shall have jurisdiction in equity on the complaint of any interested person to restrain and enjoin the violation of any of said provisions. 

Im currently a resident of the State of Florida. 

XXXX credit report is showing that youll verified this debt with Fair Collections and Outsourcing and their address is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The State of Florida states all collection companies trying to collect a debt from State of Florida residents must be licensed with State of Florida Department of Regulation . 

When reviewing the companys registration with The State of Florida Office of Regulation it clearly shows a different address ; therefore, the company reported on my credit report is fraudulent. ( See Copy Below From State of Florida Office of Regulation. 

Address showing on State of Florida Office of Regulation is as follows ; Business Main Address and Business Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

1.XXXX Account # XXXX 2XXXX XXXX Account # XXXX 3.XXXX XXXX XXXX Account # XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 
The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I request that you review this information and make the necessary corrections to my credit report. Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.C. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter. 
XXXX XXXX XXXX
Product: Checking or savings account

My banking information got stolen and more the XXXX grand was taken out within a day. The bank wells fargo is denying my claim saying that it was me. I called when the first transaction happened and asked for everything to be shut off. They did not shut it off proceeding it the XXXX grand being taken out of my account the next day.
Product: Credit reporting

I disputed inaccurate information with Experian regarding the accounts that are listed on this dispute. First of all, I 've contacted the companies via USPS certified mail and sent them a letter of debt validation. None of these companies responded with any verification or validation of the accounts or the information regarding the accounts. By law, these companies are supposed to verify to me that these accounts and the information is accurate. I would like to know what verification/ validation did Experian receive regarding these accounts that was competent since they say the investigated my dispute.
Product: Credit reporting or other personal consumer reports

Company has restricted my access to my credit report and/or score, disputing process, access to a credit freeze, and general online anything. Ive mailed in documents concerning multiple disputed accounts with incomplete information, inaccuracies due to such, late payment history, and sent in documentation concerning possible fraud to which the response was, packet incomplete, please resend documentation. Documents included were ftc report, law enforcement report, identification ( copy of drivers license and social security card ) and proof of residence all in a signature requested upon reception of documents signature card accompanying the paperwork in a stamped envelope addressed to the company. This is not what I would suggest is a legal action banning me from my own credit report and score online for no reasonable explanation. I feel like Im being discriminated against by not only XXXX but Equifax as well due to the timeline that has elapsed since Ive had the access to an updated online credit report and/or score and that I deserve some kind of compensation for the legal actions that need to take place. This has been going on for more than a year and its a headache and more XXXX  to keep requesting credit reports that are even reduced by XXXX online or by phone. Everything has to be done by mail and its becoming very costly in required materials such as stamps, and very time consuming and additional stressed steps needed in order to view, dispute, or update anything on my credit report.
Product: Debt collection

I have no knowledge of this debt, I never received any notices nor have I signed any contracts with this company. I have no knowledge regarding any debts or obligations made or owed to this company.
Product: Debt collection

I have been trying to communicate with this company Mountain Lad Collections to dispute a debt that I apparently own to a medical facility which my medical had already pay I call them because I had set up a payment method but know I see I don't owe that amount and when i called the tell me they are calling me back which they never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX
Product: Consumer Loan

I applied and was approved for credit ( XXXX ) at Ashley Furniture in XX/XX/XXXX. I cancelled the account due to non-delivery in XX/XX/XXXX. Then this month ( XX/XX/XXXX ) received a letter saying that someone had tried to run my credit at Ashley Furniture on XXXX XXXX from Synchrony Bank. I was nowhere near there that day ( at work at a conference in XXXX WA all day ). 

The only way this was done was someone walked in saying they were me and no one asked them for an ID or was working in cahoots with that person to steal or XXXX of the employees there ran my credit on their own. 

I called and spoke to XXXX, a so-called manager and she was absolutely no help. she acted as if it were nothing, asking me if I called the bank. 

I have an email from another stating that she closed my account in XXXX. 

I was denied a home equity loan because of this and plan on going to the fullest extent of the law with this. I curse the day I ever stepped into that hellhole! They are the worst!!
Product: Student loan

I called FedLoan Servicing on XX/XX/2022 to request a refund on the payments made during the payment pause. My loans were fully paid during this time. I was told that they are not recommending me to request a refund ( although I am eligible to do so ). The agent also told me it would take 200 days to process the refund and have a balance reflected on my account. I was told I would need to begin payments in XXXX although I am eligible for forgiveness. This will impact me financially as I would like to submit the student loan forgiveness application prior to XX/XX/2022 in order to receive forgiveness prior to payments resuming. 
I have received no update to the account and am concerned with the large processing time on this. According to the information the agent told me, it would take 6 months for this to reflect back on my account and I would not be able to receive forgiveness on all of those payments.