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

On XX/XX/2022 a dispute was initiated with the credit card company. On XX/XX/2022 we sent them proof of receipt of refund from the airline with no actual refund hitting our account. They had taken off the charges prior to the proof then reversed and put the charges back on the card claiming we didnt submit within 40 days. We attempted to reopen the case and were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DATE ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-no product issued XXXX XXXX XXXX-no product issued XXXX XXXX XX/XX/XXXX -no product issued XXXX XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XXXX XXXX-no product issued XXXX XXXX-no product issued XXXX XXXX/XXXX XX/XX/XXXX -no product issued XXXX Card XXXX-no product issued XXXX Card XX/XX/XXXX no product issued XXXX XXXX XXXXXXXXno product issued XXXX/XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XX/XX/XXXX -no product issued XXXX/XXXX  XXXX XXXXno product issued XXXX/XXXX XXXX-no product issued XXXX XXXX-no product issued
Product: Checking or savings account

I received a notice from Bank of American that they will charge a fee to cash my checks at a non BofA bank. <P/>This includes their " free '' billpay service. <P/>To rephrase : If the person or company I write a check to does not have a BofA account, I will be charged a fee. <P/>This means I have to have knowledge of the banking arrangement of my payee. <P/>This is a privacy invasion and should be prohibited banking behavior.
Product: Credit reporting or other personal consumer reports

am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have already contacted all the relevant companies and submitted the required FTC to address this issue. 
Additionally, the companies in question have already removed these accounts from their records. Therefore, I am surprised to see that your bureau is still reporting these fraudulent accounts. Could you please provide documentation regarding your verification methods? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2019 XXXXXXXX XXXX-ORIGINALLY CREDITOR WAS XXXX REMOVED A CHARGE OFF OF {$190.00} REPORTING AN INCORRECT ACCOUNT NUMBER AS WELL OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND IN THE MONTH OF XX/XX/2019 IT WAS REINSERTED ON MY EQUIFAX REPORT I WANT THIS DELETED PERMANENTLY!
Product: Credit reporting or other personal consumer reports

Unfortunately my auto pay was turned off on my XXXXXXXX XXXXXXXX XXXX did not properly notify me until I was almost 2 months late. Their emails did not indicate that I was late on a payment the subject line just said your payment is due. Anyways it was a {$30.00} payment I paid the card off the balance was only {$200.00}. I have excellent credit I have many open credit cards I am below 25 % on my credit usage. XXXX reported it to XXXX and Transunion they dropped my credit score by XXXX points because I had such a high XXXX XXXX. Now my credit score is poor. I had a XXXX now I am down to a XXXX. Why is it that they can get away with dropping credit scores over XXXX down XXXX points for 1 late payment yet someone who has a XXXX credit score will only lose XXXX points in a situation like this? 
That is my problem why did I not only lose XXXX points? 
Why do I get XXXX points taken off? 
Plus they did not evaluate my entire credit situation and everything that has been paid on time for the past 7 years. How is this fair reporting? That is my question.. why are we not looking into how they choose who gets XXXX points for a missed payment and who gets XXXX points? It doesn't pay to have good credit evidently
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH COLLINS ASSET GROUP. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to LVNV FUNDING LLC regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 AFFIRM- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$3500.00}
Product: Money transfer, virtual currency, or money service

Hello, I am currently facing an issue with PayPal in which they are not providing me with any assistance. I have been using PayPal to receive payments for small online jobs such as answering surveys and completing microwork tasks. These small jobs have been helpful in supplementing my income and expenses. Some of the tasks I have completed include answering surveys, editing photos, removing backgrounds from photos, and writing articles. 

On XX/XX/XXXX, I received a notification that my PayPal account had been permanently limited/banned and that my funds would be held for 180 days. I immediately contacted their online support through the " Message Center '' on the PayPal website. I had worked hard throughout XXXX to celebrate the holidays, and now my account is being held without any explanation. The only answer I got from them are : " We've reviewed your account and determined that you're in violation of PayPal 's Acceptable Use Policy. Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. '' " I am sorry but we can't grant your request as we decided to permanently limit your account. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. '' I want to assure you that I am not using PayPal for any gambling-related activities, and I would like to request that they lift the ban. I do not have any disputes on my account, and they can check as many times as they want, they will not find any gambling-related activities or disputes. I have always been compliant with their terms and conditions. 

I am hoping that you can assist me with this matter, and I look forward to hearing from you as soon as possible.
Product: Credit reporting or other personal consumer reports

I am listing 3 inquiries fraudulent from my Transunion Credit Report. XXXX  XXXX  XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Debt collection

Repeated calls to family members without authorization of that phone number. Discussing details with unauthorized users.
Product: Credit card or prepaid card

Since the life of the card, I have had numerous issues making payments with this company. I have attempted to make payments to this company from two different banks & bank accounts to no avail. This company claims my banks are rejecting them, however my banks state that they never received the request. After that didn't work, I made payments with XXXX and still had issues with this company. They call multiple times a day and they don't seem to care that they are breaking the law with their collection practices. They have charged {$40.00} each time this has happened for late fees. This fee I have incurred multiple times even when it was paid by XXXX in advance. They have charged over the limit fees of {$29.00} & {$35.00} after they caused the account to be over the limit by adding late fees or the {$100.00} membership fee, I was unaware of. This company makes it almost impossible to get your cards paid off because of the fees. I am afraid to answer my phone because they call multiple times a day even after they have left messages and they spoof other businesses numbers to get you to answer the phone. Even after paying almost {$400.00} in fees this month, they are still calling and requesting more money. This company has made my life miserable, and I want them stopped. I currently have 3 cards with them ( Destiny XXXX, Milestone XXXX, and Indigo XXXX  ). Both myself and my wife have spoken with this company to rectify this situation and they are either extremely rude or they are not helpful with this situation. I have even been threatened with court proceedings from this company.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00}.
Product: Debt collection

On XX/XX/year> CREDIT COLLECTION SERVIC opened a collection of {$160.00} I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and I have not written any consent from my end. 

They also have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureus. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of identity theft resulting from a recent data breach that compromised my personal information. Due to this incident, several fraudulent accounts were opened in my name without my consent. I am invoking my rights under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to request that these fraudulent accounts be blocked and permanently deleted from my credit report. 
Please find below a list of the fraudulent accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$340.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$830.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00}
Product: Debt collection

Mendelson Law Firm has sent a letter telling me they are suing me for a company I have not signed, given or ever had any contact with including them. I sent an email to them explaining that. I have sent the same to the company Mendelson Law Firm is connected to as well. This is fraud. I never gave them any of my information or ever spoke with them.
Product: Debt collection

PDQ has reported this debt opened on my credit report as of XXXX XXXX, XXXX. PDQ began collection efforts on XXXX XXXX, XXXX as indicated by the attached letter from PDQ to me. PDQ is illegally and erroneously reporting incorrect collection dates to allow them more time to collect zombie debt. PDQ 's response thus far as been to state they will " not discuss a letter that is over 2 years old ''. The consumer protect act requires accurate and honest reporting. PDQ is neither accurate or honest in reporting these dates in my credit report.
Product: Debt collection

Medical Data Systems is reporting on my credit as owing them {$100.00} with a date of delinquency XX/XX/XXXX and a reporting date of XX/XX/XXXX. There is a statute of limitations of 3 years in the state of North Carolina. 
Violations : 1. Defamation of Character - Information has been published and communicated to a third party.

2. Validation and Verification has not been provided as requested. 

3. Permissible Purpose Law- The law requires that these entities obtain the consumer 's consent prior to collecting and using their information, and that they must take reasonable steps to ensure the accuracy and security of the information. The law also grants consumers the right to dispute inaccurate or incomplete information in their credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank Address ] Formal Dispute of Account Closure and Reporting To Whom It May Concern, I am writing to formally dispute the handling and reporting of my XXXX XXXX XXXX XXXX account. My account was closed due to XXXX closing my debit account, which resulted in my loss of access to the secured credit card. This closure was beyond my control, and I have been unfairly penalized for it. 

I previously submitted a dispute regarding this issue, and within less than an hour, the investigation was marked as complete. This is a blatant failure to conduct a proper review. I demand a legitimate and thorough investigation into this matter. 

Your continued reporting of this account as closed due to my actions is incorrect and misleading. This level of incompetence is financially damaging, and I will not tolerate any institution unlawfully affecting my livelihood. If this issue is not resolved immediately, I will pursue federal legal action against XXXX, XXXX XXXX, and any affiliated parties responsible for this unjustified harm. 

I demand that you correct this issue by either : Restoring access to my XXXX XXXX XXXX XXXX, OR Removing all negative reporting related to this account. 
Failure to act will result in legal proceedings where I will hold all responsible parties accountable for financial harm and emotional distress. 

I expect a prompt written response confirming the resolution of this matter. If this dispute is ignored or dismissed without fair review, you will face legal consequences. 


How can an account be reporting no missed payments on an acct I have no access to I will hold you accountable. 


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

The XXXX XXXX  account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.
Product: Checking or savings account

On XX/XX/2020 I open a TD 60 Plus Checking account. 

On XX/XX/2020 I deposited {$250.00}. into the checking account. 

I received, via US Mail, a folder containing blanks check to be used with this account. 

In the latter part of XXXX, I continued to deposit into the account by visiting a local branch and submitting cash deposits totally approximately {$8000.00}. 

Starting on XX/XX/XXXX, I started writing checks against the TD 60 Plus Checking Account. 

On XX/XX/XXXX, I learned that my checks were being rejected. I learned about this through a separate bank account receiving checks written against the TD 60 Plus Checking Account. 

I physically went to the TD branch bank to inquire about the reason my checks were being rejected. Prior to this, I received no notice, via US mail, via email, or from TD bank employees at the bank when I was depositing into the account. 

I was told the account was closed. I was given no notice. I asked why the account was closed and I was told that they could not tell me. I still, to this day, do not know why this account was closed by TD Bank. 

A couple of days later I went to another TD branch collect my funds that were in the account. I was given a cashiers check for the full amount. 

I incurred returned check charges on the receiving bank and I am looking for restitution. I think punitive damages are also warranted due to their egregious behavior. And I want an explanation on why they unilaterally closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no  avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another XXXX in XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I viewed my credit report and noticed an address on my credit report that is not mine to which I sent notification that this was not my address and for my current address to be listed to no avail. I have the right to most accurate credit report according to FCRA.