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

I discovered multiple inaccuracies in my credit report, including an incorrect name, outdated addresses, inaccurate phone numbers, and other personal information that does not belong to me. Specifically : An incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX, is listed, which I do not reside at and can not receive mail. My only valid address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
The name XXXX XXXX XXXX appears on my report, which is incorrect. My legal name is XXXX XXXX. 
The following phone numbers listed on my report are not mine : XXXX, XXXX, and XXXX. My only phone number is XXXX. 
My year of birth is displayed on my credit report, which is unnecessary and poses a privacy risk.

I suspect these errors may have been caused by identity theft or a data breach, which I have been a victim of recently. These inaccuracies have compromised my ability to monitor and protect my personal information, and I fear my data may be further misused.

I contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information on my report. Additionally, I cited the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to misleading information being reported.

Despite my efforts, the inaccurate information remains on my report. This lack of correction undermines my ability to protect myself from fraud and impacts my ability to manage my credit effectively.
Product: Debt collection

On Friday, XXXX XXXX a received a call from someone from " XXXX XXXX XXXX ''. they said that i had a claim number and a subpoena ready to be delivered to my doorstep if I didnt make a payment in regards to a a payday loan i took out from Ace Cash in XXXX XXXX TX in XXXX. 

They forced me to provide debit card information as they told me if i didnt make XXXX dollar payment i would be sued and possibly jailed.
Product: Debt or credit management

I was a customer of Lexington Law Firm for credit repair in 2015, but was not included in the class action settlement. I have emails confirming my membership.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have contacted all three credit reporting agencies and put them on notice of identity that taken place on my Social Security number. Ive also sent them a copy of a police report and also a FTC report this account still reporting on XXXX and Equifax. Ive been going back-and-forth for the last year.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Paypal suspended my account and froze my fund of {$2400.00}. They alleged a violation of their terms of service however would not disclose what that was. They emailed me that day and informed me they would be holding my funds for 180 days in case of fraud and would message me about how to access my funds after that. On XX/XX/XXXX they transferred all {$2400.00} out of my account with the description of : '' Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''
Product: Checking or savings account

XX/XX/XXXX, tried to open checking online, received email to ask about documentXX/XX/XXXX, Fax document they need, CALLED AND THEY SAY THEY RECEIVE AND CAN BE SOLVE IN 7 BIZ DAYS!XX/XX/XXXX, transfered living money in this account, found I can not use it!XX/XX/XXXX, fax again, same documentXX/XX/XXXX checking got closed for no reason.left $XXXX dollars I can not use for almost one month.No one solve the issueCalled 10+ times, no any email or notice of what is the next step.
Product: Credit reporting or other personal consumer reports

I am a vXXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX Opened XXXX BALANCE {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$0.00} XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$390.00} XXXX XXXXXXXX XXXX XXXX Reported XXXX BALANCE {$590.00} XXXX XXXX XXXXXXXX XXXX XXXX BALANCE {$7200.00} XXXX XXXX XXXXXXXX $ XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX $ XXXX Date Opened XX/XX/XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX BALANCE {$440.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$450.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX {$4200.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

I had a direct deposit from my unemployment in the amount of {$1100.00} on XX/XX/2023. Netspend allowed someone to open a digital debit card link it to my already open card with them and someone stole all my money off my card in XXXX. They allowed them to change my email and my phone number and did not call me to verify any of the information that was changed. Then when I called them to report the fraud it took me 5 times to speak with someone. They kept hanging up on me or did not understand my English. They kept repeating the wrong reason for my call. They refused to provide me with the date the card was opened and the email address and phone number that the card was liked too, so that I could file a police report. The Customer Service agents refused to let me speak to a supervisor and kept hanging up on me. I advised them that I have no money to to feed my children or pay my bills and will not give me my money back in the form of a provisional credit for 10 to 20 days. This is the same company that closed my other debit card with them for a purchase with XXXX in the amount of {$19.00} but allowed {$1100.00} to be taken out of my account in one day.
Product: Debt collection

Unifin , Inc. XXXX XXXX XXXX Texted and emailed threaten message to comply and pay a debt that was charged off in XXXX on XX/XX/XXXX. 

I was also a XXXX resident for the next 9 years until XXXX with no judgement ever being issued for any debt. 

There has to date not been a judgement issued in XXXX where I live for work temporary. 

Since no judgement was sought or granted during the 6-year period as required by the state of XXXX where this debt originated from. I am seeing this as venue shopping and an illegal attempt to collect a debt that has long since expired.
Product: Debt collection

Midland Funding is still reporting a delinquent account on my credit file despite its failure to prove its claim in court when it sued me and despite multiple requests asking it to stop reporting derogatory information on my credit file and remove negative information it 's been reporting about me since XXXX XXXX. 

Midland Funding has never advance any fund to me. It falsely claims that it became my " creditor '' when it allegedly purchased a debt I owed XXXX. it claims XXXX sold the debt to XXXX XXXX and it acquired the debt when XXXX receivable merged with XXXX XXXX and when it subsequently merged with XXXX. 

Around XXXX, out of the blue, I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation, it immediately proceeded to suing me even before responding to my debt validation request. 

I responded to the lawsuit denying owing money to Midland Funding. When preparing for trial and examining Midland Funding 's evidence documents I noticed that the documents and affidavits were bogus. That they were prepared to fit its false claims. So I subpoenaed specific evidence but on trial date Midland Funding could not produce any specific evidence to prove I was obligated to it and decided to dismiss the case against me. 

But to my surprise it was still reporting a negative account that it could not prove in court. 

In XXXX XXXX I contacted Midland Funding asking it to follow through with the dismissal by removing unsubstantiated negative account it was reporting with all XXXX credit reporting agencies. 

Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file, dropping my credit score in the attempt to bully me into paying a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Chex System Consumer report and I noticed an account on my consumer report that should not be on there. I never gave Chex Systems any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. As a consumer, I am demanding the deletion of the following account XXXX. XXXX XXXX XXXX  ; Account number : XXXX Original Charge Off Amount : {$590.00} Closure Status Date : XX/XX/2019 Account number : XXXX Original Charge Off Amount : {$630.00} Date of Closure : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 # XXXX XX/XX/XXXX -- {$58.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$250.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Orignal debt was created on XX/XX/18 fraudulantly via utility company XXXX XXXX XXXX Balance was for {$64.00}. Called Utility company XX/XX/18 to dispute transaction due to fraud. XXXX XXXX informed me account was created in XXXX of 2018 and went to collection on XX/XX/18. I asked what could be done because I did not create the account nor did I live in the state of Nevada. XXXX XXXX said it was out of their control and I needed to get a hold of the person the individual that created the fraud or contact the police. Police informed me I needed to make an in person statement to an officer, of which I was not capable of doing. In an effort to get this off my credit ASAP I paid the charge off to quit reporting to credit bureaus. I feel this is a very unfair situation that I have little to no way to remove off my history. As a result I have been denied credit cards an loans due to collections on my account. I would like this to be removed from my credit and any late/missed payments accordingly. 

Thank you very much for your help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXXXXXX REGIONS BANK XXXXXXXX XXXX XXXX XXXX XXXX, AL, XXXX To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

REGIONS BANK Account Number : XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

REGIONS BANK Account Number : XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeated send numerous letters to Equifax us 15 USC 1681b with no response no resolutions Accounts attached to my consumer report do not even have legally authorization or jurisdiction to collect in my state in NJ Attached exhibit XXXX Upon checking XXXX they companies are breaking the law collecting in a state they have no work order
Product: Credit card or prepaid card

I have several citibank account and used their online banking and mobile app. One day, none of my logins work and I continuously get prompted to verify my identity. I contact them, wait a few hours with technical support, talk to 4 people and they can not figure out the problem, they suggest try again in a few days. 

I try again 5 days later and there are still no fixes.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Discover Bank due to their failure to respond to a credit dispute letter I sent on XX/XX/2024. This dispute concerns the payments that Discover Bank marked as late on my account during the following months : XX/XX/2024 and XX/XX/2024. Additionally, in the XXXX credit report, the payments marked as late correspond to XX/XX/2024 and XX/XX/2024. 
Account XXXX : - Discover Bank Account XXXX : XXXX I have attached a letter showing that the creditor did not respond to my dispute within the legally mandated XXXX period. I am formally requesting that detailed proof be provided regarding this specific item, in accordance with [ XXXX XXXX XXXX ( b ) ] ( XXXX  : XXXX ). This section ensures that each periodic statement is mailed to me no later than 21 days before the payment due date. Additionally, I am requesting that all information required by section XXXX ( b ) of XXXX XXXX be included. 
It is my understanding that under [ XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ) ] ( XXXX  : XXXX ), my consumer report should not contain information solely related to transactions or experiences between me and the entity making the report. Payment history, including late payments, negatively impacts my consumer report and is part of the transactions and experiences between me and Discover Bank. 
Furthermore, I request that Discover Bank provide, in writing, the reasonable procedures they have adopted, in accordance with [ XXXX XXXX XXXX ( b ) ] ( XXXX XXXX XXXXXXXX ), to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

Discover Bank has 30 days from the date they receive this letter to provide me with the information I am requesting. If they fail to provide this information within the allotted time, it will be assumed that they can not verify the late payments specified above due to a lack of reasonable procedures to ensure the accuracy of my account. In that case, I request that the late payments be removed from my account and consumer report with the following consumer reporting agencies : XXXX, XXXX, and XXXX, or any other applicable agencies, and that the account be updated to reflect a positive status. 
Please forward any changes to my account to the address provided above. Thank you for your time and consideration in this matter. I look forward to receiving a positive resolution.
Product: Credit card or prepaid card

I was referred to Consumer Complaint by my Congressman, XXXX XXXX, the ranking Republican on the House Financial Services Committee. 

On XX/XX/XXXX, we purchased a XXXX cruise in XXXX and XXXX through a travel agent, who paid the airline, the cruise provider and the travel insurer with my Visa credit card. 

Due to a progressive illness, this was to be our last trip. It would have been difficult, but we chanced it while there was some possibility. 

When the Covid pandemic forced cancellation of the cruise, the air fare, insurance and cruise payments were fully credited by Visa back into my checking account. 

But then Visa re-debited my checking account again, saying the the cruise line had offered us an IOU. 

I explained that our medical situation made an IOU worthless. We explained this in great detail to Visa, multiple times, in routine dispute correspondence. The cruise line and XXXX  Government guaranteed in writing to repay Visa if we did not take advantage of the IOUwhich we physically can't. 

We explained to Visa that the IOU was useless to us and why. Even so, Visa debited our checking account and proposes to hold the value of the cruise until the cruise line pays them in XXXX, essentially forcing us to loan Visa the cruise amount until then. 

Visa 's checking account debit caused transactions to bounce, triggering overdrafts and wrecking havoc with our bookkeeping at a time when other things needed our attention. We had to sell investments to restore our checking account and presumably our credit rating has been harmed by the overdrafts. 

We had paid everything we owed to Visa in full and on time. We explained the situation repeatedly by post and telephone calls. The barrage of apparently computer-generated form letters does not seem to be a good faith attempt to resolve the situation. 

Clearly we have no stake in the dispute between Visa and the cruise line. Certainly we have no obligation to save Visa harmless for the cost of the cancelled cruise until/unless the cruise line meets its its XXXX repayment commitment to them. 

We paid Visa in good faith and received nothing whatsoever in return for the payment. We need and deserve our money back..
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected due to identity theft. 
ACCOUNTS : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  XXXX  Date of XXXX : XX/XX/XXXX
Product: Consumer Loan

I took out a loan from CashCall in XXXX at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so XXXX payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XXXX XXXX XXXX as of today XXXX XXXX XXXX, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
Product: Credit reporting or other personal consumer reports

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer report. XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$45.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$130.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$45.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a debt on my credit from XXXX XXXX XXXXs off of my credit In 2 different amounts totaling over {$3000.00}. First and foremost Theres no way I could have 2 active rental account for the same property and same times. That is illegally reporting fraud information. I have submitted proof that it is not accurate and I do not owe that company but they refuse to remove it from my account. I have submitted multiple documents proving that the account does not have a balance and it was closed ( moved out with XXXX balance ) in 2016. This is severely impacting my credit and I need it removed.