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

I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete 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. 

XXXXXXXX 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, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO FCRA XXXX XXXX IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX {$1400.00} and XXXX XXXX  XXXX {$1400.00} and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CSPB findings against Navy Federal or similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt or credit management

I have a company that I started and have been scammed by employees at the company who have created and utilized the contention information for their own gains in my name. The company name is XXXX XXXX XXXX and I started the company in XXXX. I have articles of incorporation and registration in states. When I contact the agency that seems to mirror my company this agency website doesn't have any discern regarding value and my effort at the start of the company. Monies have been sent and ROI due. Please contact the agency that seems to be using my own simbiance without my interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that they will investigate my issues on my credit report regarding XXXX XXXX and XXXX XXXX XXXX  XXXX. They have yet to open a dispute to investigate the issue nor send me proof of the validity of my dispute. They have keep incorrect information on my report for 2 months now. I have gone back and forth with them and have gotten nothing resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian ... Still waiting on paperwork from them to reply to police ... Customer who has this on my record refuses to speak to me directly refers me to collections company ... Collections company refer me to Experian to which Im spoken to them several different occasions concerning this fraud on my report ... I also made them aware that they where in violation of my consumer rights to which the ignored ...! THESE CREDIT REPORTING AGENCIES ARE SCAM ARTISTS SELLING ILLEGAL SERVICES ...! XXXX XXXX has consistently provided me with accurate credit data with XXXX XXXX and XXXX XXXX stating different from Experian ...! EXPERIAN IS A RIP OFF AND NEEDS TO BE FULLY INVESTIGATED
Product: Money transfer, virtual currency, or money service

I submitted payment to XXXX XXXX via Cashapp in XX/XX/year>. I tried to cancel the order but the seller said they already shipped. For 3 months I followed up and even requested refund via Cashapp but the Block seller refused. I received fake shipping information twice.

I informed Block, Cashapp, and XXXX but no one will step in. Consumers are left searching for help and these financial institutions do nothing to prevent fraud by scammers using their platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/19 And on XX/XX/2019, I sent certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/XXXX, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This information is false. I received a letter from the United States Bankruptcy Court stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' Then onXX/XX/19, I received a letter saying I requested for them to initiate a dispute on my behalf with XXXX, XXXX   XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response, I received from LexisNexis, they have not only violated federal laws. Because reporting per FCRA should be 100 % accurate. They have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. I am attaching substantiated evidence to support my complaint. The entry is inaccurate and unverifiable so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus- XXXX , XXXX XXXX , and XXXX   being that LexisNexis is who reported the information to them.
Product: Debt collection

To whom it may concern : This is to let you know that I requested JH Portfolio Debt Equities LLC on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : XXXX XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

JH Portfolio Debt Equities has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from JH Portfolio Debt Equities that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from JH Portfolio Debt Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.
Product: Prepaid card

I have tried to use this prepaid Visa gift card at several retailers, in person and online, and the card is declined every time. I called the issuer and there was no resolution for how to get it to work. The card still has the full balance available.
Product: Payday loan, title loan, or personal loan

I opened a line of credit with Paypal on XX/XX/XXXX because they offered {$20.00} off an order of {$110.00} through XXXX. When I was missing a couple of items, XXXX partially credited my original form of payment in the amount of {$8.00} on XX/XX/XXXX. PayPal took it due to the {$20.00} offer they " gave '' me. One had nothing to do with the other, as the refund was for missing items. When I tried to dispute it with PayPal, an auto message said I couldn't. Now I have to pay full price for the missing items ( {$12.00} ), as well as not getting the full {$20.00} off of my order. This is unscrupulous and unfair, and I want the {$8.00} credited to what I owe. Thank you for your help with this matter.
Product: Debt collection

Hi Team! 

Thanks for your help. I am reaching out because I got a financial alert that a new account was added to my credit report. It was for FAIR COLLECTIONS AND OUT but I have never received communication ( letter or call ) from this business about any debt owed. Otherwise I would happily pay it. Yet they have still reported it against my credit and I have been dinged nearly XXXX pts despite never been appropriately communicated about this debt still being outstanding. It is labeled on behalf of XXXX XXXX which I havent lived at since the first part of this year. I would like to resolve this debt but I am not comfortable with the fact I have not been sent a notice about this debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX
Product: Debt collection

Subject : Request for Debt Validation - Urgent Action Required Hello, I have no record or knowledge of any dealings with your company. Accordingly, I am formally requesting a complete validation of this alleged debt, as granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following within 30 days from the date of this letter : XXXX. Complete Validation : Kindly furnish original documentation including the original creditor 's details, the account number, the bill of sale, and relevant supporting documents. 

XXXX. Proof of Consent : Verify your legal right to collect by providing proof of consent to furnish this information and the original contract. I would also like evidence of how you guys obtained my address. 

If you are unable to validate the alleged debt with the requested documentation above, I demand you cease collections and communication with me. 
in accordance with 15 U.S. Code 1681s-2. ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Failure to comply may be considered a violation of FCRA laws, Negligent enablement of Identity fraud, and Defamation. Please consider this letter a formal notice that if my rights are not respected, I will have no choice but to pursue legal action to enforce them. 

I trust that this matter will be resolved promptly and appropriately.
Product: Checking or savings account

I opened my TRUIST account on XXXX XXXX and never received my first debit card to deposit the funds. I had my mother XXXX me the opening deposit before I received my card I received my paycheck by direct deposit so I had to XXXX  my other bank account ( with another financial institution ) to be able to swipe my card to pay my bills. Yesterday I was at a checkout and tried to use my card and it was declined. I tried to open the application and it told me my account had been blocked. I called them and they werent able to provide me any information. I finally reached the fraud department today and they advised that my account relationship had been terminated. I originally signed up for the {$400.00} new checking account offer and they are terminating my account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023 Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I did my research with the fair credit reporting act and Transunion, XXXX, and XXXX has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy. 15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Product: Debt collection

This is a follow up to complaint XXXX Bounce AI in their response to this complaint advised that I still owed money to XXXX for other items purchased on the same day as the defective item. On XX/XX/year> I purchased four items from XXXX totalling {$1000.00}. At the time of purchase, I placed a down payment of {$270.00}, leaving a remaining balance of {$810.00}. This is somewhat reflected in the purchase agreement, but does not appear to be acknowledged fully. 

On XX/XX/year> a dispute over a broken item that lasted about thirty days was resolved with them refunding me {$520.00} for the television as was mentioned in the complaint response. This would leave a balance of {$280.00}.

In addition to the down payment, I made an additional payment on XX/XX/year> of {$67.00}, which would leave a balance of {$220.00}. So, if Bounce AI were to attempt to collect a debt that I owed, the amount that I owed would be incorrect. I requested a list of payments made and an original invoice from them, and they sent the same payment agreement that they provided in the first complaint. 

XXXX then further confused the process by refunding me a total of {$160.00} on XX/XX/year>. So again, even were this debt to be valid, Bounce AI is attempting to collect more than the amount owed. 

I did send XXXX notification that I was refusing to pay any further due to their poor customer service and it was my assumption then as it is now that the refund issued on XX/XX/year> closed the matter and that no further was owed. A year later I received notification that I still owed a balance on the account, and given that there was no other correspondence, I had forgot that I purchased other items. But I did advised that company of the same information I submitted here and in the previous complaint, and no further communication was attempted until the debt was sold to Bounce AI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting me with late payments and that card belongs to my dad. 
XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX has hired The XXXX XXXX XXXX XXXX and other extensions ) to make attempts at collecting an amount they " feel '' I owe them based on their payment to an insured client of theirs. I am not responsible, legally or otherwise, to pay. I 've spoken with them numerous times and have repeatedly asked that they cease communication at once or escalate this matter to a court of law. They have done neither of these things. These attempts and harassing phone calls continue to be disruptive to my daily life.
Product: Debt collection

Called me, and co-workers 3 times at work after being specifically told to NOT call, my work place, all 3 times threatening to take legal action, and stated a " case '' number. Meanwhile, they have never even identified a " debt '' I supposedly owe OR the actual reason they are contacting me at all. XXXX violations at least, + left voicemail message on work phone threatening legal action. Spoke to XXXX XXXX @ XXXX XXXX/XXXX/16, and XXXX XXXX XXXX senior rep '' @ XXXX XXXX/XXXX/16, who started yelling at me on my work phone threatening to sue me. I will be suing them in small claims court for {$1000.00} per violation.