23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX my account was reported as 30 days late with a missed payment in XXXX but its still XXXX and I made a payment of XXXX bucks. I also lost this card due to covid. My mother was super sick and hospitalized and I had no way of getting the card becuse it fell between the crack of her seat ( car ). She contacts me and lets me know she found it. But I had no access to the online portal at all. Didnt know the name of this company and received no email. Its taking me years to build my credit profile and to get the cards Ive earned would take the next person a lifetime to get. I value my XXXX XXXX and a XXXX point loss is very harsh. I was also in the moving process in expensive XXXX texas and had no desire to be late. I just simply didjnt know where my card was or the name of company. Also, this card doesnt even come with a chip reader. If you look up my credit profile I have XXXX accounts and theyre all paid up. I dont deserve this and I pray my mother gets better and my health does too. I dont go 30 days with any my accounts not being paid. This card is just new to my profile and no due date was mentioned on email or a phone call or voice mail was never received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CREDIT COLLECTION SERVIC at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX has been sending me collection notices in the amount of $ {$440.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXX and XXXX from XXXX XXXX for {$490.00}. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit reporting or other personal consumer reports

Subject : Formal Identity Theft Statement and Request for Investigation I am writing to formally report identity theft involving the fraudulent use of my personal information in connection with the following addresses : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX These addresses have been falsely associated with my identity, and I hereby dispute their legitimacy. This correspondence serves as a formal request for an immediate investigation and correction of any records reflecting these fraudulent associations within your databases. 

Legal Basis for My Request Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I am entitled to the protection of accurate and fair credit reporting. The FCRA mandates that credit reporting agencies and data furnishers maintain the accuracy and integrity of consumer information. I assert that the inclusion of these fraudulent addresses in your records constitutes a violation of the FCRA. 

Specifically, under Section 611 ( 15 U.S.C. 1681i ), I request that you : Conduct a reasonable reinvestigation of the disputed information. 

Provide me with a statement of the results of the investigation. 

Correct or delete any inaccurate or unverifiable information within the statutory time frame of 30 days. 

Uniform Commercial Code ( UCC ) : Per the UCC, unauthorized use of an individuals personal information constitutes fraudulent activity and misrepresentation. This situation involves the unauthorized use of my name and identity, which violates principles of lawful and consensual commercial transactions. 

Consumer Financial Protection Bureau ( CFPB ) : Under the CFPBs regulatory framework, consumers are protected against fraudulent financial practices. I am filing this complaint to ensure compliance with CFPB guidelines and to safeguard my rights as a consumer. 

Details of the Identity Theft I have never resided at or conducted any business linked to the aforementioned addresses. 

I have taken steps to report this identity theft to law enforcement and relevant authorities, including the Federal Trade Commission ( FTC ) and the CFPB. 

Enclosed are supporting documents, including my identity theft affidavit and copies of correspondence with other agencies, for your review. 

Actions Requested Remove any reference to the disputed addresses from your records. 

Provide a written confirmation of the actions taken to resolve this matter. 

Supply a copy of the updated report reflecting the corrected information.

Failure to Comply Failure to address this matter adequately may result in further legal action, including filing additional complaints with the CFPB and seeking remedies under applicable state and federal laws.

Please confirm receipt of this correspondence and provide written acknowledgment of your intent to investigate within five ( 5 ) business days. You may reach me directly at [ Your Contact Information ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am 3 days late on my loan and harley Davidson financial had called me over 15 times in the past three days. H I have requested all contact to be written and mailed to me and they refuse and continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

On XX/XX/year> I took an American Express credit card payment from a customer for me to serve a lawsuit to several defendants in the Federal District Court of Georgia. I provided the services, informed the client and filed a copy of the Proof of Service with the Court ( attached ) as required by law. On XX/XX/year> I received an email from XXXX that the customer, XXXX XXXX, disputed the charge saying that he never received said services. I responded to the dispute and provided all supporting documentation ( filed proofs of service, docket from the Court and text to the customer ). I receive a follow up email stating that XXXX would still debit the funds from my account despite me showing proof that I did the work. XX/XX/year> I spoke with representatives from XXXX who were very not helpful and still saying that they are taking the money from my account. The representative from XXXX stated that American Express is the entity taking the money from my account. I informed them that would put me in a devastating situation but they did not care and proceed to take the funds from my account. I do plan of seeking legal action ( both criminally and civilly ) against XXXX XXXX as well as XXXX and American Express as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized hard inquiries from these two companies in the following dates : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018
Product: Debt collection

On XX/XX/2018 I paid a collection to XXXX XXXX for {$590.00} as they instructed me over the phone.

They said the collection was now settled and that they will send me proof as well as withdraw the lawsuit.

As of today they are still claiming I owe them {$92.00} and they never sent any written verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX XXXXXXXX XXXX, and XXXX.
Product: Debt collection

Hello there is a company, XXXX that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for Orion Portfolio Services , LLC ( XXXX XXXX ) in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. XXXX and Orion Portfolio Services LLC should be ashamed of themselves for going after someone that has been victimized.
Product: Checking or savings account

On XX/XX/2022, I contacted Capital One Bank to report that our personal joint checking account might have been compromised by a scam hack that I fell victim to earlier that afternoon. My youngest son brought to my attention that when he attempted to use our laptop, that a malware alert popped up on the screen. He showed me the laptop and I saw this security breach alert showing on the screen and there was a phone number to call for XXXX Security System. Knowing that I had protection on my laptop, I called this number and a supposed security team analyst informed me that my IP address to my laptop had been compromised and fraudulent activity was occurring on my accounts. This person presented herself as an analyst, she provided a name, badge ID #, and requested to remote into my phone to track this alleged hacker who compromised my IP address on my computer. Once I took the bait for this rouse, I was asked to notify my bank that fraudulent activity could be happening on my account since this hacker had access to my account information. This alleged XXXX security member stated that a pre-authorized transaction had been made on my account for XXXX at an online gambling website. At one point, this security analyst person asked to make an outbound call to my bank so that I could inform of the fraud and attempt to block the transaction. I again under the guise of this rouse allowed this person to make an outbound call to my bank in which I was transferred to another individual impersonating to be a fraud team member of Capital One Bank. This second individual convinced me that she was aware of the fraud attempts on my account and that I needed to secure my account by creating a duplicate account. She then advised me to purchase gift cards that would be used to secure the funds that were available in my bank account. So at this point, I became very uneasy. Still, under the click and bait scam, I purchased these gift cards and once the alleged Capital One Bank impersonator asked me to provide the gift card number to her ; I immediately knew that I was being scammed. I contacted my bank directly and initiated a fraud claim and disputed the charge. On XX/XX/2022, I contacted Capital One Bank to inform them that I opened a new account and that I wanted all remaining funds from the account that was compromised transferred to the new account. It was then that I was directed to speak with a customer support specialist, her name was XXXX, who proceeded to tell me that the dispute would not be honored because I participated in a scam. She told me that my account no longer met the criteria of continuing a banking relationship with Capital One. I was floored because I felt scammed all over again. This bank representative essentially blamed me for taking part in a scam and proceeded to implicate me as a willing participant.
Product: Consumer Loan

At first it was pleasant smooth and an easy process I was told at XXXX that everything was finished and that I would receive my funds in 24-48 hours when I called about a confirmation email I was told at XXXX that my status was changed to decline with no reason why and when I explained to them about earlier conversations they claimed they had no record of approval for me when I tried asking for a supervisor none were there also the XXXX people that told me I was funded when I tried contacting them the mailbox was full XXXX I recommend you stay away from this company as they are a scam and play with people 's emotions
Product: Checking or savings account

In XXXX of XXXX, I opened a business checking account with Chase to place liquid funds for my business. I was informed that the minimum balance required to avoid a $ 12 monthly maintenance fee is {$1500.00}, to which I complied. 

On XX/XX/XXXX, I was informed by a Chase Relationship Banker over the phone that my account had been incurring monthly maintenance fees. This was a shock to me, because I was sure that I had maintained the minimum amount, which I had. However, as of XXXX of XXXX, {$15.00} maintenance fees were being charged. 

On XX/XX/XXXX, I was credited with 7 of the 23 fees that were debited from the business checking account over the last two years. I was told that the minimum balance had always been {$2000.00} and in order to receive further credits, I would have to provide documentation of the {$1500.00} minimum balance requirements at the time that I opened the account. 

On XX/XX/XXXX, I reached out to a Chase Relationship Banker via email and provided him with a scanned copy of the documents proving that my business checking account was established with the {$1500.00} minimum balance requirement. I have not heard from him since. I have tried to call him directly, and have received no answer. Any time that I have called the Chase customer service line for assistance, they keep pointing me back in the direction of the Banker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a formal request to place a security freeze on my consumer disclosure report with the company. as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 605A ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to the Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of Goldman Sachs Account Dear Goldman Sachs and co , I am writing to formally dispute the accuracy of the information being reported on my credit report regarding a closed Goldman Sachs account XXXX This dispute is made under my rights as afforded by the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Details of the Dispute Account Name : Goldman Sachs and co Account NumberXXXX Nature of Inaccuracy : [ State the specific inaccuracies here, e.g., " This account is being reported as delinquent, but it has been closed with a zero balance, '' or " The dates of delinquency are inconsistent with my records. '' ] Legal Basis for Dispute Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The reporting of the Goldman Sachs account violates this provision due to the inaccuracies stated above. 

Additionally, under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), when an investigation reveals that disputed information is incomplete or inaccurate, the credit bureau must promptly delete or correct the information. Based on this statute, I am requesting the immediate correction or removal of this account from my credit report. 

Request for Action Conduct a thorough investigation into the reporting of this account.

Provide written confirmation of the results of the investigation. 

Delete or correct the inaccurate information as required by law. 

Send me an updated copy of my credit report reflecting these changes. 

Notice of Intent for Monetary Damages Please be advised that if this matter is not resolved promptly and the inaccuracies are not corrected or removed, I reserve the right to pursue monetary damages as permitted under the FCRA. This includes actual, statutory, and punitive damages, as well as any applicable attorney fees. 

Supporting Documentation I have enclosed copies of relevant documents to support my dispute, including : [ List any supporting documents, e.g., account statements, correspondence, or screenshots. ] Please consider this letter as a formal request for compliance with your obligations under the FCRA. I expect a response within the time frame specified by law ( 30 days from receipt of this dispute ). 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Purchased item on XXXX using PayPal credit in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with PayPal as " they would help ''. Only option at PayPal was to file a claim. Claim erroneously denied with PayPal stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get PayPal to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from PayPal so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. PayPal never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse PayPal for their outlay to the merchant, as soon as I receive the item as advertised.
Product: Debt collection

According to 15. U.S.C. 1692C 15 U.S.C. 6801 and 15. U.S.C. 6802 XXXX, XXXX XXXX and XXXX have violated my rights by in lawful communication, please remove this collection off from my credit report, Thank you Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 


Account info Account name ACIMA DIGITAL FKA SIMPLE Account number XXXX Account type Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$980.00} written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XXXX XXXX XXXX {$3000.00} XXXX updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus and to PARAGON XXXX on XX/XX/2021, in regards to a debt said to be owed in the amount of. The creditor is reporting inaccurate information on my credit report and it is affecting me. The Last Active date is a year off across all XXXX credit bureaus. According to XXXX U.S. Code 1679c a consumer has the right to dispute inaccurate information found on their credit report.
Product: Credit reporting or other personal consumer reports

Transunion has not corrected my consumer report and I have requested the method of verification into these disputes! Transunion is in violation of the FCRA and I have contacted and disputed fairly. If these are not removed from my consumer report within XXXX days I will have to seek legal remedy! All charge offs, collection and negative reporting items!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there information.