23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There was a bunch of fraud on my chase account. I lost my debit card and someone tried to deposit a counterfeit XXXX $ check. The check never cleared. In the meantime they managed to XXXX XXXX $ out of my money that I had on the account already. My account is restricted now its the holidays I cant spend and cash or withdraw any money. My claim number for the XXXX  transactions is XXXX. Also I contacted the executive office and my case number with them is XXXX. My account is totally frozen and I cant spend any cash
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/2021. MRS BPO LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX  ( XXXX ) XXXX. I have not received any goods or services from MRS BPO LLC and I do not know how they received my personal information. 
MRS BPO LLC do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with XXXX XXXX XXXX  ( XXXX ) XXXX. I did not agree to pay MRS BPO LLC or XXXX XXXX XXXX  ( XXXX ) XXXX  any fees for anything.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 



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

A Company Called  Diversified Consultants be gan calling my cell phone multiple times a day. I would not answer the phone because I have no business with that company. They have added a collection account to my credit report. I do not have any business with this company and have no outstanding unpaid bills or charged of debt with this company or any other. I believe they have the incorrect person or they are trying to collect money from over 20 years ago. They have not mailed me any information about the debt and I will not speak to a collection office when I know I have no issues.     I believe this company is engaging in debt collection in an illegal matter and should be investigated. I have disputed the account with the credit bureaus. If the account is not removed from the credit bureaus then I will pursue legal action for damages against  Diversified Consultants.      I am in the process of trying to buy a home and this has caused financial damage to my person.      XXXX   XXXX
Product: Vehicle loan or lease

Carvana was set to purchase our XXXXXXXX XXXX XXXX on XX/XX/XXXX and pick it up between XXXX XXXX  and XXXX. We HAD A SIGNED CONTRACT. They canceled the pick up on Sunday XX/XX/XXXX at XXXX. The advocate stated " He did not know the reason ''! They could not come and buy the vehicle but they could still deliver a vehicle we were wanting to purchase the same day?! Carvana bait and switch nonsense. We immediately cancelled the purchase contract and was told we would get our money in 10 to 15 days which is ridiculous as the fees were already deducted from my checking account! We are on social security and want this down payment back now! They expected us to pay for 2 cars? They broke the first contract and we just want our XXXX dollars back!
Product: Credit reporting, credit repair services, or other personal consumer reports

Having a car loan with Golden1 Credit Union continues to be a bad experience. Because the experience was so bad, I paid off the loan on XX/XX/2021 after five or six payments. Terrible website you can't log into, not sending me statements, and customer service that didn't answer the phone was enough. 

Today is XX/XX/2021, and I paid off the loan on XXXX XXXX, yet they are still reporting to XXXX and XXXX that I have a loan. This is negatively affecting my credit score which is a problem as I am mortgage shopping and my FICO dropped below 800 for the first time in many years, and it is because of Golden1. 

Why can they not simply report the loan as paid off?
Product: Credit card or prepaid card

I got this negative item from this unknown company to show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago a collections account appeared on my credit file as " XXXX XXXX XXXX XXXX '' .. initially it was for {$300.00} and then it was for {$1200.00} and then it said that I paid {$600.00} of it or {$900.00} and then now it says it's 140 days past due and I have no idea what this thing is. I have sent the company a certified letter to validate the debt and has been over 30 days since they had received it yet the company still continues to negatively impact my credit file reducing it by over 100 points. originally i sent this complaint # XXXX to the cfpb who stated that they referred this to the FTC regulatror . the tracking number for the debt validation letter mailed on XX/XX/23 is XXXX the company did not respond in any way. I have disputed this directly with the 3 CRA 'S and they all said it was verified as accurate??!!!?? as of XX/XX/23 my credit report now says that not only is this account is some how magically 11 months past due but that the original balance was {$1200.00} and that i now only owe {$77.00}. this is blatant fraud it's also it's extortion as well the worst part about this whole thing is that I'm trying to go back to college and this has negatively impacted my credit so much to where I can't even get along my credit report has suffered XXXX points and now just simply removing that for my credit report isn't going to raise my credit report XXXX points and nobody is doing anything about it to help every Federal agency regulatory body and every XXXX XXXX XXXX Credit Reporting Agency it just allowed to get away with anything and I'm sick of it I disputed this with XXXX on XX/XX/23 and again on XX/XX/23 Despite the obvious inaccurate info and proof of this through the inconsistency of the reporting and the company violating FDCPA regulations no less then 3 times and the company failing to respond to a debt validation i sent 100+ days via usps certified mail The credit reporting agency states " Disputed information was verified as accurate '' This only way that they could possibly draw this conclusion is if they NEVER even looked at it and simply rubber stamped it and pushed it through
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

I booked a flight in XX/XX/year> using my Citi credit card points, totaling XXXX points ( equivalent to {$1100.00} ), for a trip scheduled in XX/XX/year>. However, I canceled the flight within the required timeframe to receive a flight credit. Unfortunately, Citi switched travel agents during this period, and it seems that in the transition, my booking information was lost. I have been following up on this issue for several months, but Citi has not issued a refund of my points, and their representatives claim they have no record of my booking. 

Despite multiple attempts to resolve this, I have not received my points back. I believe the confusion caused by switching travel agents is responsible for the loss of my information, and I would like Citi to address this and issue the points refund as promised. 

Booking Date : XX/XX/year> Airline : XXXX XXXX  Citi Points Used : XXXX Trip ID : XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements. 
Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Product: Credit card

I ordered an item from XXXX and cancelled the delivery with the carrier. The item was not delivered and sent back to the shipper. Item requires signature normally. I disputed the charge because the refund process did not occur normally within the normal time frame the purchase was made 82 days ago as of XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX account with Transunion on the XX/XX/XXXX and XX/XX/XXXX via certified letter. The dispute was never noted on my consumer report. I did not receive a response within 30 days of XX/XX/XXXX. The account was never removed from my consumer report as instructed in either of the certified letters. I want this account removed immediately according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX. ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( XXXX Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Product: Debt collection

This is the second time a collections agency has contacted me regarding an outstanding account at an address that I do not and have never lived at. On XX/XX/2021 I received an email from XXXXXXXX XXXX ( Merchant : XXXX ) with a creditory of PORTFOLIO RECOVERY ASSOCIATES, LLC for the total of {$400.00}. The address on the account is XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX. I have an ongoing investigation with XXXX XXXX Sheriffs Department ( Deputy XXXX ) of another attempt to collect debt. I have never lived at this address and have no knowledge of any purchases made at this account except for the notification from the collections agency.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX. XXXX Credit Card XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. You sent verification as to the account being opened and opened online. I never challenged the account being open. The account was NOT opened by me. Please send me an updated copy of my credit report after your investigation and removal of this account.
Product: Debt collection

Third ParyCollection Agent requested {$250.00} dollars when the original amount is {$190.00} and also attempted to make me pay {$43.00} for another account with the original amount of {$27.00} and was past the statue of limitations.
Product: Credit card or prepaid card

I have called XXXX numerous times from XX/XX/XXXX till present and are told that I am unable to set up a payment plan and that it is in the legal department and to call XXXX. Every single time that I ask to see if I can pay and I ask for a letter to be sent by mail stating that this debt is satisfies or my payment was received I am told that they are not able to provide me with such letter. I was deeply affected by the pandemic and was without a job from XXXX XXXX up until around XX/XX/XXXX. The interest rates are unfairly and incredibly high and I would like to file a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts on my credit report due to my status as a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts be blocked and deleted to prevent further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX To whom it may concern, Under FCRA Section 609, I am exercising my right to dispute the accounts listed below. I am also formally requesting that you prove these accounts belong to me by providing copies of the original signed contracts. Please make sure you send me contracts stating that I agreed to enter into financial agreements with the companies listed below. Otherwise, your bureau, the furnishers, nor I can prove these accounts belong to me. Please note I need full copies and all other information you have on file during this investigation. A simple template letter will not be sufficient. I am preparing a legal case and need full certified copies of everything you have on file for the accounts below. 

Bureau/Furnisher must provide, at a minimum, all of the following to prove their case : A. Copies of original signed contracts bearing my signature for each account listed below. 
B. All other information or evidence you have on file for the accounts listed below. 
C. Names, employee numbers, mailing addresses, and phone numbers for each person involved in this investigation. 

If you can not provide the above information, I request you immediately delete the accounts listed below from my consumer credit report and cease all collection activity. 

Please note, I am trying to resolve this matter as soon as possible. I am willing to stop any further requests if you can comply with my request. Also, note I have included identifying information as requested under the FCRA. Please do not send me an automated template letter requesting further verification. 

Account Information : Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX XXXX ( TransUnion ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( XXXX ) Thank you for your prompt attention to this matter. 

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

I recently attempted to get pre-approval for a mortgage to buy a new house after obtaining a contract on my existing home. I was not aware of any problems with my credit and knew of no issues that might affect me getting pre-approved for a new mortgage. However, the mortgage broker I enlisted said that my current mortgage company, Citizens One, showed me as being 60 days late on my XXXX payment. I have bank statements ( attached ) showing payments made from XX/XX/XXXX to the current date, XX/XX/XXXX, for the balance due, plus additional principal payment, in the amount of {$1600.00}. I have repeatedly called Citizens One but all attempts at getting anyone to help me have been unsuccessful. They will not work with the credit bureaus to remove the 60 day late notice from my credit report. They continue to refuse my requests to speak with someone that has the authority to help with my request. I have been treated with callous indifference by everyone I have spoken to. As a result, I am at their mercy and will be homeless when I close the sale of my house unless I can get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, XX/XX/21, XX/XX/21 I submitted documentation specifically requested by an Experian representative I spoke with by phone to accompany a dispute with a car dealership that im currently in litigation with and is falsely reporting a repossession on my credit. The documentation Ive provided has been more the efficient to remove this from other bureaus. It adequately proves my payments as well as my rights as a consumer to have it removed due to discrepancies in information reported by the company. Ive been unable to purchase a vehicle due to Experians lack of cooperation and lengthy investigations leading to no resolution
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 these items which are found to be opened due to erroneous activity. 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 remove these files. If you feel there is a possibility these items 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 items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 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