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

Complaint, XXXX, DVR and demand for disclosures under TILA against Experian [ controlled by XXXX XXXX ] and XXXX who owns XXXX XXXX XXXX XXXX XXXX fully owned by XXXX XXXX XXXX  and since XXXX owned by XXXX XXXX fund acting under name of XXXX XXXX. On XX/XX/XXXX Experian Artificial Intelligence [ robots ] generated unsigned " response '' to my disputes where Artificial Intelligence insisted that information on my Credit Report was updated and verified as " accurate '' - which is not true and can not be true. 
First, it is illegal and perhaps criminal for Experian [ XXXX XXXX ] to use Artificial Intelligence [ robots ] to conduct verification of customers disputes and respond to customers with false information. I demand to provide me the name and contact information for an authorized individual employee of Experian who can personally verify how exactly Experian verified information on my credit report and provide me copies of documents based on which this information was verified. 
According to Experian response regarding my dispute with defunct faux " servicer '' [ not lender XXXX XXXX XXXX XXXX XXXX XXXX [ fully owned by XXXX XXXX XXXX XXXX ], " the compnay that reported the information has CERTIFIED to Experian that they information is accurate. XXXX became XXXX in XX/XX/XXXX and obviously can not " verify '' anything to Experian in XXXX. 
I demand to provide me the name of the Company who provided this Certification to Experian, the copy of this certification as provided to Experian, and the name of individual employee of the company who was authorized to provide this certification and has personal knowledge about information furnished to Experian regarding account XXXX I also demand to provide me a copy of verification for information related to disputed account XXXX and the name and contact information for an individual authorized employee of the company who submitted this verification I demand to immediately remove this derogatory information until Experian provides me proof of verification from the companies and its individual employees who furnished it.
Product: Money transfer, virtual currency, or money service

I made a transfer from XXXX  XXXX XXXX in amount of {$350000.00} to Chase bank. The chase bank account was provided by a fraudsters and this is a fraudulent cryptocurrency transaction being made. When I transferred, I didn't know the platform is a scam. The customer service request me to add buying power by transferring money to this account. After the deposit was made it unable me to withdrawal. This is a complete fraud. Chase needs to be responsible to revise my transaction and XXXX  XXXX XXXX needs to investigate this matter for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting my student loans to all credit reporters and miscalculating my balance on their website/records. I was checking my experian credit report when I found instead of 8 student loans in total ( unpaid and paid/closed ) ( I have only ever taken out 8 student loans in total ), there were 16 in total ( 8 open and 8 closed ). The balances have also doubled. 8 of the student loans are appearing from " department of educationXXXX '' and XXXX additional ones are being reported from " XXXX '' - it appears this duplicate issue occurred during the transfer process causing in these " duplicate '' student loans with wildly inaccurate balances and payment histories and has not been fixed since XXXX of 2024. My current balances should also only be XXXX K instead is being reported I owe XXXX XXXX in student loans. XXXX loans have been paid in full. Additionally, XXXX is currently placing my current payments towards XXXX already paid off student loans- meaning my payments are not being added to the principal amount and I'm accruing interest on the other active loans. I have reached out to both XXXX and XXXX credit reporters with no resolution. I have opened multiple incident tickets with XXXX, been escalated on the phone, uploaded supporting documentation with no resolution. It was been 3 months of these consistent issues. I have also filed disputes with the credit reporters and no resolution has been made. Please review attached documentation for supporting materials.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to cancel my account. It is connected to my work email address, which I no longer have access to. When I email from my personal account, I receive an email response from a do not reply email saying I only have a free account. When I call their customer support there is no option to speak to anyone or cancel my account.
Product: Debt collection

XXXX XXXX had destroyed my roof XX/XX/2017. And I was not getting any service from this company for seeing baseball games, seeing shows as scheduled since XXXX XXXX. I had a service paid for XXXX for {$40.00} gave all this. So I cancelled my service XX/XX/2017 with my account current on this date wanted to know the terms for cancellation. XXXX XXXX stated return all equipment and pay {$220.00} as a final payment. This is a penalty of XXXX a month for eleven months. All This was done per XXXX XXXX instructions to the letter. And I had to pay {$60.00} to nail down three shingles back on my roof knocked down by the XXXX XXXX Antenna flying off the roof hitting my roof dislodging three shingles. So XXXX XXXX wants to collect extra money to get the full contract price not providing any service. This is a predatory contract givning no service. I do not want to be harassed by XXXX XXXX through XXXX forever. 

Sincerely XXXX XXXX
Product: Debt collection

I had insurance instead of submitting the bill to the insurance company they are constantly putiing them on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have 5 Inquries On My Account That I Have No idea Where they Came From. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be removed immediately. 

Name of Account Account Number 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 XXXXXXXX Unverified Account Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 


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

I AM A VICTIM OF IDENTITY THEFT AND ALL XXXX CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. XXXX, XXXX AND TRANSUNION ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE XXXX ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Product: Vehicle loan or lease

A fraudulent loan was opened In my name, on XX/XX/2017, for the amount of {$23000.00}. The account then sent to collections in the amount of {$6300.00}.
Product: Credit reporting or other personal consumer reports

The following accounts needs to be deleted from my credit report as soon as possible ; DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SOME FRADULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE, BENEFIT FROM, OR CONSENT TO THE FOLLOWING INQUIRIES ; XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX  XXXX XXXX Balance Owed : {$510.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

A company identitying themselves as " portfolio recovery associates '' has repeatedly contacted my mother asking her how to get in contact with me. She lives in another state and has a different last name, they have contacted her 23 times in one week and made threats of legal action against her. I made contact with this company at the number XXXX XXXX XXXX on the morning of XX/XX/19 and identified myself and requested they stop contacting family members and was told " we can call anyone we want ''.
Product: Student loan

I have been on the SAVE plan since my loans went into repayment. Per DoEd, my loans are supposed to be accruing no interest while on forbearance after the court enjoined the plan. However, since XX/XX/year>, my loans have accrued approximately {$10000.00} in interest and my interest rates are set to 6-8 %. I emailed my servicer, EdFinancial, and they said they will try to have my interest rates set to 0 % but can not give me a time period for doing so and they can not correct my balance until after the SAVE pause ends. They are essentially admitting my balance is wrong but refusing to fix it. If I make a payment during the pause, it is going to go towards interest I do not owe.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Debt collection

I am writing to file. a complaint against Cohn , Goldberg & Deutsch , LLC for their egregious violation of the Fair Debt Collection Practices Act. I received a letter from this company dated XXXX XXXX stating that they are attempting to collect a debt and that I had I until XXXX XXXX to request validation of the debt, and if not, the debt would be assumed valid. 

In response, I promptly sent a letter by USPS certified mail tracking # XXXX in response to that letter on XXXX XXXX which was received by this company on XX/XX/2023 at XXXX, which was well within the timeframe. Despite this, Cohn , Goldberg & Deutsch , LLC failed to acknowledge the debt validation letter to provide any proof of the allege debt. Which it is now assumed invalid. 

To my dismay, I discovered that on XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a claim in XXXX XXXX, MD District Court, which not only contradicts the FDCPA but also constitutes unfair and deceptive practices. They have not only disregarded my request for debt validation but also pursed legal action without proper verification. 

It is essential to note that I have mail forwarding from my previous address to my current address which was provided to the company in the letter received by them, and I use USPS informed delivery to monitor incoming mail. Despite this, Cohn , Goldberg & Deutsch , LLC has not sent any response or validation documents. 

Within the 30-day timeframe specified by the FDCPA, all collection activities were supposed to cease and desist until validation was provided, giving me 30 days to investigate once received. However, Cohn , Goldberg & Deutsch has provided no response, denying me the opportunity to validate the allege debt. 

Furthermore, I sent another letter Dated On XX/XX/2023 which the company received XXXX XXXX at XXXX ( USPS tracking XXXX ) explicitly informing them of their FDCPA violations and the lack of grounds to purse legal action. In this letter, I emphasized that any attempt to sue would result in a lawsuit being filed against their company for damages deemed reasonable. It is crucial to note that I made them aware that their silence would be considered acquiescence, implying their agreement to be sued for any claims I may file against them. 

Despite these explicit warnings and attempts at resolution, the company has failed to respond, further demonstrating a blatant disregard to the FDCPA and a lack of commitment to their duties and resolving this matter amicably. 

Your assistance in addressing this matter and holding Cohn , Goldberg & Deutsch , LLC accountable for their actions is greatly appreciated.
Product: Debt collection

This debt was removed do to failure to send me verification. This agency has now put this debt back on my credit report without sending me any notification or verifying documents.
Product: Debt collection

This loan company called ComenityXXXX XXXX XXXX me XXXX times a day every day. I've spoken to them and this debt is not technically mine, this debt is a physician 's debt, XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to refund the loan and now they are coming after me to repay the loan even though I did not receive all the services this medical load was used to pay for.
Product: Money transfer, virtual currency, or money service

what ever company cash app is they stated my acct to be closed but when i look in section 4 and 5 it doesnt say how and why? 
RE : Your Account is Closed Inbox x Cash Support XX/XX/2019, XXXX XXXX  to me Hi XXXX, After a recent review of your transfer of funds, we detected the use of Cash App for activity in violation of Cash App 's Terms of Service. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Sections 4 and 5 of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately we can not provide more details regarding our decision. 

Visit the Cash App Terms of Service for more information. 

Thank you, Cash Support In order to receive a response, please do not delete the following line :