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

I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of XXXX unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX , XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX
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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

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 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: Debt collection

I was contacted by portfolio Recovery Associates, or at least they claim to be. The lady claimed to be trying to collect a debt from XX/XX/XXXX. The debt was originally with, supposedly, XXXX XXXX. They stated that it was charged off in XX/XX/XXXX. And that portfolio recovery Associates picked up the debt. In XX/XX/XXXX, I pulled my credit report and with the assistance of a loan professional, I went in and paid off all debts on my credit report. At that time, if there were an outstanding bill from XXXX XXXX, it would have shown up on my credit report and it would have been paid at that time. I did tell the woman I was speaking with that I had paid everything off my report in XX/XX/XXXX. She informed me that this debt would not have shown up on my credit report, but that it was a debt and it needed to be paid. I told her that I did not feel comfortable paying a debt from XX/XX/XXXX and that I could not verify by looking at my credit report. She repeated to me several times that it would not show up on the report. I told her that just did not make sense to me. She stated an unfamiliar address, an apartment address. I have lived in apartments in the past, but I did not recognize that address. I told her that address could have been a made up address. She was unable to tell me the phone number that the bill belongs to. I told her that I did have a landline in XX/XX/XXXX, but in XX/XX/XXXX everyone basically had a landline. I told her that it did not make sense. Long story short, she repeatedly requested payment and said it was my debt. I told her that I did not believe that was my bill, it could not be verified, and that I was not paying her any money. She stated that she was going to notate that in my record, and to have a good evening.
Product: Credit card or prepaid card

this is my business credit card and i lost my business they give me {$500.00} credit and i ask them my business is close but still charge me again i ask them to help me and I offer them to pay half of my limit but they didnt accepted and ask me to pay {$1600.00}
Product: Bank account or service

US Bank continues to honor fraudulent money orders and will not close our business account. Our office was broken into twice, checks and money orders were stolen, the money orders were already cashed using US Banks product Single Point Scanning system where checks and money orders are scanned into their system rather than doing a manual deposit at a local bank. I have written US Bank a XXXX page letter asking them to stop honoring the fraudulent money orders and they tell me that they have to continue to honor them because they are US Postal money orders which requires them to honor the money orders even though they know they are fraudulent. There have been XXXX arrests in this case due to my due diligence in investigating the break in and finding the suspects. I am working with our local postal inspector, and Sheriff Department as well as local police. One of the suspects was arrested in XXXX, and I have been asked to appear in XXXX in XXXX to give a victim statement at the sentencing hearing. The other XXXX suspects court appearances are being scheduled and I am required to be present there as well. I will be happy to send you all the documents related to this fraud case, including the letter I wrote to US Bank and the response I got from US Bank. I was told by my US Bank representative that this was unprecedented and that the bank does not know how to handle this issue, so they decided to fall back on normal bank rules and regulations rather than work to correct this issue. My insurance company is completely stumped and can not understand why a bank would continue to honor what they know are fraudulent money orders and are considering not paying the claim because there is a continuous stream of money orders coming in weekly. US Bank told me that once the account is 30 days past due they will close the account and no more would be honored, so I thought it was over and my insurance company would then pay the claim, but without warning US Bank took money out of our other account to balance out and continue to honor the fraudulent money orders. So now I am back to square one, watching the money stack up and I ca n't do anything about it, my insurance company has hired an independent investigator to look into this issue and the bank is being uncooperative with him, he just wants to find out why and maybe the insurance company will then honor the claim. This is a very long and painful problem and I do n't know what to do at this point. If the bank wo n't give me the money back, and the insurance company ca n't pay because of the bank 's actions I may have to close my business because there is no way I can pay $ XXXX back. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX card does not belong to me please delete from my credit report XXXX  XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time
Product: Checking or savings account

In XX/XX/XXXX, I opened a saving account in the amount of {$5000.00} with Bank of America. The account specialist persuade me to open the savings account with Money Market Savings. He informed me that MMS gives better interest rates and they fluctuate more in my favor more than if I were to just invested in the regular saving interest. I never got any statements. Ive never checked the balance. 
On XX/XX/XXXX, I went to BoA and withdrew {$5000.00} and told the teller to close out my account. 
In XX/XX/XXXX, Ive notice my checking accounts from BoA and XXXX XXXX XXXX and fraudulent charges and charges made by other than me. I also asked about my savings account to BoA. They printed me one copy at the branch. Ive requested another copied from corporate and was charged {$160.00}. They immediately purged my savings account. Ive made numerous attempts to question why my interest rate stayed at 0.02 % annually? That breaks down to {$0.00} a month. But, the interest dollar amount did not reflect equal to the interest rate. It was even less than at some months. Id would only get {$0.00} or {$0.00}. Some months, Id get {$0.00}. Some months {$0.00}. Majority of the times its {$0.00}, no matter what my end balance is. Sometimes the annual amount earned and amount paid doesnt even add up. 
Ive made countless inquiries to account managers, specialists, branch managers. None, not one can explain why. Thats four branchs Ive visited. Calls, endlessly without success. They even try to ridicule me until Ive asked if they would buy into it. And, why doesnt the numbers add up. Even if the interest amount were to be rounded up or down, the amount doesnt equal the calculations. They purged my account after my second inquiry of why my savings account was thus.
Product: Credit card or prepaid card

Today XX/XX/XXXX XXXX p.m. I was yelled at in a distasteful matter by supervisor at Discover. I was treated in an extremely distasteful manner by the supervisor where I believe our conversation was recorded on their side. I explained I received an adverse action letter pursuant to 15 USC 1681 m from discover where it was discrimination towards me in the process. I know who I am as the consumer and original creditor and discover is civilly liable for discriminating against me according to 15 USC 16918 and denying me an extension of My Own Credit in a consumer credit transaction. This supervisor is it a violation of the law pursuant to 15 USC 1611 buy also willingly and knowingly giving false and inaccurate information. I recited multiple laws under the truth and lending that discover company must abide by and this female supervisor simply ignored the law as well as showed a negative attitude and raised her voice in the negative manner towards me. I am extremely upset at the supervisors Behavior towards me and I believe that she should be reprimanded for her actions and discrimination towards me. Her tone and behavior was unnecessary and it proves her discriminatory actions.
Product: Credit card

On XX/XX/XXXX I made a payment of XXXX from my checking account to my credit card, Revvi On XX/XX/XXXX I checked my credit cards online statement, but the payment was not received. I thought my payment was not done correctly and I made another payment in the same amount of XXXX on XX/XX/XXXX. The credit card company received both payments and put a restriction on my card due to suspicious payments. I called and spoke to the company on several occasions about my double payment and was told I had to email them a bank statement and a copy of my drivers license. On XX/XX/XXXX I sent them the documents they requested to take the restriction off my card and send one of my payments back to me or apply it to the card. As of XX/XX/XXXX they have not taking the block off my card and will not send me back my extra payment.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to Equifax and also XXXX Federal detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove ATTACHMENTS
Product: Credit reporting or other personal consumer reports

Experian reporting incorrect information. Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) Old information reappears or never goes away Incorrect information on your report. Information is missing that should be on the report. 
Account status incorrect ( showing open account as closed, showing delinquent account when it's not )
Product: Debt collection

Recorded message from phone number XXXX saying that this is last time they are going to try and contact me and legal action will be taken against me. in the recorded message it tells me where to go to make a payment with the debt validation or information regarding original creditor. Calls at least once a day while I am at work and they are unable to prove anything.
Product: Credit card or prepaid card

I received a card from Milestone Mastercard by The XXXX XXXX XXXX that I did not request. I called and informed them. They mentioned that after the card was opened, someone changed the address
Product: Checking or savings account

Wells Fargo has been charging me fees that was their fault My identity was also stolen I would like to file a complaint against them and join the class action suit
Product: Credit reporting

I have sent requests to TransUnion to stop falsely reporting derogatory against me stating that I have an unpaid medical bill in the amount of {$76.00}. TransUnion continues to falsely report information from XXXX XXXX XXXX, # XXXX ( XXXX, VA ) ; stating that this debt is allegedly owed to XXXX. I am a XXXX XXXX XXXX Veteran and have 100 % free medical coverage! This debt could possibly be my son ( I do n't know ) ; he has my name, stayed with me for one year, but has long since moved away. However, we have different social security numbers and birth dates, so this problem can be easily resolved. I have zero medical bills, and I have repeatedly communicated this fact to TransUnion unsuccessfully .... please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00}.
Product: Debt collection

I keep getting phone calls from a XXXX XXXX XXXX XXXX XXXX, when I answer I get a recorded message they are not taking messages now, this is constant every day or so. I tried to look up this company 's contact information, all they give is the phone number they never answer. XXXX XXXX XXXX. I XXXX   this company and the complaints are endless.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX REPORTING AGENCY block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at CITIBANK CBNA on XX/XX/XXXX under the account number XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit card

I have been receiving harassing telephone calls from Synchrony Bank concerning my closed PayPal Mastercard account. Additionally, I have been receiving a discrepancy in communications about the past due amount. On XX/XX/XXXX, I received an email indicating that I had a total minimum payment due of {$170.00}, including a past-due amount of {$110.00}. A due date of XX/XX/XXXX, was indicated. However, when logging into my PayPal App, it showed a past due amount of {$60.00} with a message stating, " Pay {$60.00} now to cover the overdue amount and bring your account current. '' This issue has been ongoing as I received the same message again on XX/XX/XXXX. Synchrony Bank closed my account in XX/XX/XXXX allegedly due to returned payments. Before the account closure, I faced challenges with making payments. For instance, in XXXX, PayPal claimed a payment was returned by my bank, but it was a system error caused by PayPal as I used an unlinked checking account. According to PayPal, their policy requires that you are required to use an account linked to your PayPal profile to make payments. The harassing phone calls have continued. The most recent contact was on XXXX Sunday, XX/XX/XXXX, a day that is a religious observance in my household. In addition, I continue to receive communications from Synchrony Bank entitled, Are you having difficulty paying your PayPal Mastercard account? allowing me to enter into a Customer Assistance Plan. However, I am not eligible for making fixed monthly payments as they closed my account in XX/XX/XXXX. In addition, one of the requirements of the Customer Assistance Plan is that I must be willing to close the account. However, Synchrony already closed the account. These offers from Synchrony are misleading. Currently, despite making a payment of {$60.00} on XX/XX/XXXX, I was charged another late fee of {$41.00} on XX/XX/XXXX. My PayPal app on XX/XX/XXXX, is showing a past due amount of {$54.00} and a balance of {$450.00}. It appears that despite making the past due amount reflected in my PayPal app Synchrony continues to charge late fees toward the closed account.
Product: Credit card

An unauthorized transaction was charged on my Discover credit card on XXXX XXXX, 2023 of {$900.00} from XXXX. I tried to contact the Discover team and they said that they will need more information regarding this case as the company said that the order was delivered. But when I contacted XXXX XXXX for the same asking about the order even after having no account on the XXXX website, they said the order number was never generated. I also filed a police complaint regarding the same and I have the police report. I also tried to send the live chat conversation between myself and XXXX people to prove that I never ordered any product from XXXX in my entire lifetime and never had an account on XXXX as well but still the Discover tean refused to accept the proofs given by me saying they are false proofs. I sent everything to the Discover people, the police report, the chat conversation between me and XXXX saying the order number was never generated as there was some kind of error, but still the discover people refused to credit me my unauthorized charges back to my account till date. I have been contacting Discover people over an year now and still they are not refunding me the amount.