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

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$14000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$7200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390000.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$410.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Balance : {$1600.00XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there.

FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report.
Product: Credit card or prepaid card

I bought airline tickets on XXXX in 2018. During the purchase, a promotional screen appeared that offered me a credit card, which has a bonus miles benefit as well as a {$250.00} statement credit for " qualifying '' purchases. 

Here are the " qualifying '' purchases on Delta 's website for a similar {$50.00} statement credit program on the same card : One statement credit for {$50.00} will be issued to your Card account after a Delta purchase is charged to your Gold Delta SkyMiles Credit Card within your first 3 months of Card Membership, starting from the date your account is approved. In rare instances, your period to make your first Delta purchase may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). Delta purchases to meet the first Delta purchase requirement include those made by both the Basic and Additional Card Members on the Card Account. Purchase must be made directly through Delta. A purchase may not qualify for the statement credit if it is submitted under a merchant code that has not been categorized as a Delta merchant code as of the date of the purchase ( s ). Credit will be issued as a Card Member statement credit approximately 8-12 weeks after your first Delta purchase. Additional Card Members on your account are not eligible for this offer. To earn the {$50.00} statement credit, your Card account must not be canceled or past due at the time of fulfillment. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers ( balance transfers are not available on Delta SkyMiles Business Credit Cards ), cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards ; person-to-person payments, or purchases of other cash equivalents. Additional terms and restrictions apply. American Express reserves the right to modify or revoke offer at any time. 

So my plan was to be in flight wifi in advance, directly through Delta. Before I made the purchase, I wanted to make sure that it would qualify, so I reached out to Delta on XXXX, with the following question : " @ Delta i purchased XXXX access through your website. Please confirm that the will act as a qualifier for my statement credit '' Here is the reply from Delta : Hello, XXXX. If you have the Gold Delta SkyMiles Credit Card by American Express you are good to go because you get your statement credit after making ANY FIRST PURCHASE on your new Card. ( 1/2 ) *TAC When I questioned why my statement credit was not yet paid, the agent responded by saying that the purchase was through a third party, XXXX XXXX even though it was bought through Delta and that I specifically asked them if this scenario would work, which they confirmed it will. 

Thank you.
Product: Debt collection

Received collections letter from one advantage regarding alleged medical debt, asked for verification / substantiation of debt, nothing was produced.
Product: Debt collection

Phoenix Recovery Group was sold some debt that they claim is from a medical provider. Once Phoenix co ntacted me about the debt, I asked for verification I have the debt from them. I never received it. I contacted then again over 30 days later, and at that point the y sent one illegi ble piece of paper. When I complained, they said that Texas did not require them to provide proof of service.
Product: Credit card

I have only applied for XXXX credit card XXXX TIME with this company. Not XXXX, and not XXXX times back to back. This is not correct. 

CAP ONEXXXX XXXX, XXXXCreditor Contact DetailsCAPITAL ONE BANK USA NAXXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. These are the accounts that I marked inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My husband and myself have a credit card with Jareds Jewelers. We have been unable to make our payments and my husband is in the process of filing bankruptcy. We owe a small amount nothing major but Jared 's is refusing to work with us. We are getting calls 3 times a day from them my husband has explained out situation but to no avail we keep receiving harassing calls and they are now threatening us. My husband received a call this morning XXXX XXXX, 2017. My husband stated to the rep that he was unable to talk he was at work, the rep said to him your gon na talk to me now! They keep telling my husband he needs to take the merchandise we purchased back to the store. They are using foul language and are not willing to work with us even with explaining our situation. I do understand they are debt collectors but I believe if they were treating people with a little more respect they may get somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting or other personal consumer reports

I have written seven letters to Experian, XXXX, and XXXX requesting the removal of fraudulent and outdated information on my credit report, including incorrect addresses, employment details, and phone numbers. Despite my efforts, these bureaus have failed to take action on my requests. This negligence has caused significant harm to my creditworthiness and financial well-being. I am deeply disappointed by the lack of response and corrective action from these credit reporting agencies. 

I demand that Experian, XXXX, and XXXX promptly investigate and remove all inaccurate and outdated information from my credit report. Failure to do so will result in further legal action to protect my rights as a consumer. It is imperative that these bureaus adhere to the guidelines set forth in the Fair Credit Reporting Act to ensure the accuracy and fairness of credit reporting. 

I urge Experian, XXXX, and XXXX to rectify this situation immediately and provide me with a written confirmation of the removal of the erroneous information from my credit report. My financial reputation and future credit opportunities are at stake, and I will not tolerate the disregard for consumer rights exhibited by these credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still waiting on TransUnion to remove these inquires that do not belong to me. This is my second CFPB complaint regarding this issue. My first complaint was XX/XX/XXXX and it is now XXXX. I need these items removed. They have had plenty of time to complete an investigation. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a scam originating on " XXXX ''. I believed I was sending money for the adoption of a kitten. However, upon sending the money via XXXX, it became clear that there was no kitten, and I had sent {$80.00} to a person without any hope of seeing the money again. 

I asked for my money back from the scammer, which obviously did not work, as they were trying to solicit even more money from me. 

I reached out to XXXX, and received an acknowledgement of my complaint, but no restitution of payment or resolution provided. 

I reached out to XXXX XXXX XXXX to ask for them to cover my losses and hold the scammer responsible, but they ignored my multiple emails. 

Ultimately, I believe chase bank should be held accountable and am asking for them to return my money. The scammer imitated a real person named XXXX XXXX, to whom I sent money. Chase did nothing to stop this. Under Regulation E., banks must be held accountable for fraudulent transactions. Chase did not do enough to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX BANK XXXX Account number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX BANK XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

XXXX XXXX continues to call my father about my past due balance. My father has repeatedly told them to stop calling him. They leave threatening voicemails saying they are taking legal action against me.

They have never left me a voicemail on my phone.

On Tuesday, XX/XX/XXXX they again called my father and left a message that he needed to call XXXX. My father called them back and spoke with XXXX. XXXX told my father that I was going to be arrested due to non payment of my bill. She also asked him if he would pay my bill! She gave him all sorts of information about my debt.

When my father called me about this, I called XXXX. I was assured that they would not call my father again. I am XXXX   years old and my father has absolutely nothing to do with my credit cards.

Today, XX/XX/XXXX..my father has once again received a threatening voicemail from XXXX  with XXXX XXXX. My father is recovering from a severe illness. He doesnt need to have bill collectors waking him up when hes trying to rest.

The whole reason why Im behind on my credit card bills is because of my fathers illness. Ive been trying to help my parents out and assuring them that they arent putting me out ... now my father is freaking out that Im behind on my bills because of them.
Product: Credit card

I received a card from affirm for dental services on XX/XX/XXXX after researching further I decided that I did not want to move forward with this company. They are now being non responsive and I do not want this card anymore as no services were rendered and I requesting this cancellation less than 24 hours before anything was processed. Please help me in getting to the bottom of canceling this card thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, XXXX, & Experian are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Re : Request for Immediate Removal of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report. Specifically, there is an account listed under the name " XXXX XXXX, '' which I am requesting be immediately removed from my credit report as it is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to a credit report that is 100 % accurate and free from fraudulent or erroneous information. The inclusion of this XXXX XXXX account on my credit report is a clear violation of this law. I have previously submitted documents confirming that I am a victim of identity theft and that I never had any contractual relationship with Amerifinancial Solutions, nor do I owe them any money. 

In my prior disputes, I requested the removal of this account from my credit report. I have provided the necessary evidence, including proof of identity theft, yet the account has not been deleted, and the fraudulent information continues to be reported. I also sent a debt validation letter to XXXX XXXX XXXX months ago, to which they did not respond. 

In addition to the fraudulent nature of the account, I have noted discrepancies between the information reported across different credit bureaus. The balance owed on the account varies from one credit report to another. Additionally, the dates of account opening and the date sent to collections differ between the reports. These discrepancies further demonstrate the inaccuracies in the reporting of this account. 

Under the FCRA, all information on my credit report must be accurate and consistent. The continued reporting of this fraudulent account, along with the inconsistencies between the credit bureaus, is a clear violation of my rights. I am requesting the immediate deletion of this XXXX XXXX account from all credit reports. 

Please confirm in writing that this account has been removed from my credit file, as required by the FCRA. Failure to do so will leave me no choice but to seek legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violation of my rights under the Fair Credit Reporting Act. 

I expect prompt action on this matter and look forward to your confirmation.
Product: Credit card

Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against Discover regarding the recent closure of my credit card account ending at XXXX. I am deeply concerned about the unfair and inaccurate actions taken by Discover, which have not only caused unnecessary stress but also put my credit score and financial stability at risk. 

I have been a loyal customer of Discover for XXXX years and have consistently maintained a strong payment history with them. However, On XX/XX/2023, I encountered an unexpected issue when attempting to use my Discover credit card through XXXX XXXX. To my surprise, the card was not functioning on the platform. This prompted me to contact Discover 's customer service to seek clarification regarding the matter. During the conversation, I was informed that my credit card account had been closed due to miss payments for the last two months. I immediately contacted Discover 's customer service to address this issue and clarify the situation. 

Upon speaking with their customer service representatives, I was informed that the payments were returned due to insufficient funds in my bank account. This information contradicted the reality of my financial situation, as the payments were indeed deducted from my account on the specified due dates. To further validate this, Discover reached out to XXXX XXXX, the financial institution from which the payments were made, and confirmed that the payments had been received and processed promptly. 

I firmly believe that the closure of my credit card account was unjustified and based on incorrect information. I have diligently upheld my financial responsibilities and made consistent payments on time. It is disheartening to see my efforts to maintain a positive credit history undermined by this incident. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. I am seeking the reopening of my Discover credit card account, as well as a correction of any negative impact on my credit score resulting from this unjust account closure. It is my hope that this complaint will help shed light on the questionable practices and decision-making of Discover, and prevent other consumers from facing similar issues in the future. 

I have attached supporting documents, including bank statements showing the timely payments made and correspondence with Discover 's customer service representatives. I am more than willing to cooperate fully with any further inquiries or information required to resolve this matter. 

Thank you for your attention to this serious issue. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and fair business practices. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress