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

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  Account Number : XXXX, 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IDEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MYCREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your attention significant inaccuracies in my credit report related to an account with Greensky. I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), and I request your immediate investigation and correction of these discrepancies. 
Recurring Charge-Off Reporting : Greensky has been consistently reporting this account as charged off every month. This practice is not only inaccurate but also violates the FCRA by updating the account and extending the statute of limitations. This re-aging is fraudulent and illegal. 
Inconsistent Opening Dates : There are inconsistencies in the opening dates reported by Greensky across all credit bureaus. This inconsistency raises concerns about the accuracy and reliability of the information. 
Illegally Changed Date of First Delinquency : The date of the first delinquency has been altered, which is a direct violation of FCRA regulations. This unlawful modification misrepresents the actual delinquency history and impacts my creditworthiness.
Product: Credit reporting or other personal consumer reports

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

XXXX XX/XX/XXXX : # XXXX {$830.00} XXXX : # XXXX {$69.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I sent a debt validation letter to Receivable Management Services on XX/XX/2018 asking this collection agency to validate the debt of {$210.00} presented on my credit report from the original creditor XXXX. The collection agency responded with a statement/invoice of the amount owed, my personal information such as policy number number, home address and policy effective dates.
Product: Credit card

I purchased {$81.00} worth of goods from XXXX on XX/XX/XXXX, they sent me the bill and it arrived really close to the due date, I don't remember the exact date. I assumed they had a grace period especially for the first payment. they charged me a late fee on XX/XX/XXXX, not even 30 days after my purchase. When I got the bill I paid my statement balance. We moved out of state and since then they have given my 2 late payments on my credit report as well they have charged me {$100.00} in late fees and interest. More than my original purchase.

This is highway robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
Product: Debt collection

Dispute the debt associated with File Number XXXX, which was reportedly sold by XXXX to Velocity Investments LLC, with a stated balance of {$5100.00}. 

I request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I am requesting : 1. Proof of Debt Ownership : Documentation proving that Velocity Investments LLC has the legal right to collect this debt. 
2. Complete Payment History : A detailed breakdown of the debt, including the original contract, and any fees or interest that have been added. 
3. Verification of Accuracy : Proof that the amount claimed is accurate and consistent with what was originally owed. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report if it can not be properly validated. The presence of an unverifiable or inaccurately reported debt could be considered a violation of my rights under the FCRA. 

I am currently experiencing significant financial hardship and am unable to repay this debt. As such, I am also invoking my rights under the FDCPA, specifically 15 U.S.C. 1692c, to request that all communication regarding this debt cease immediately. Continuous attempts to collect this debt only serve to exacerbate my financial situation and could be deemed as harassment.

If Velocity Investments LLC is unable to validate this debt in full compliance with federal laws, I respectfully request that this debt be removed from my credit report and that all collection activities cease. Failure to comply with these legal requirements may result in further action on my part, including filing complaints with the appropriate regulatory agencies.
Product: Credit card or prepaid card

XX/XX/XXXX we purchased a ring at Sears with a sears credit card under the agreement we would have 24 months 0 % apr for a {$740.00} purchase. Well in XXXX of XXXX we get a statement showing that we are paying {$170.00} in interest. We called and were told that's an error we have 12 months left of no interest so they reversed the interest charge. Then we get a statement showing in XX/XX/XXXX we still owe {$400.00} and XX/XX/XXXX, we call and speak to a representative named XXXX that says she sees we are under a 24 months 0 % apr agreement. Yet we are paying interest every month as the statements have been showing small interest charges for random amounts ranging between $ XXXX {$7.00} since they supposedly reveresed the interest charge. When we spoke to the representative she said the statement shows no interest for this month, but we are still locked into the 24 months 0 % apr. Now we explained that if the purchase is 0 % for 24 months in XX/XX/XXXX and that is the only purchase on that card, and we are doing 30-40 dollar payments every month then by XX/XX/XXXX we should have a 0 balance. However we are finding that the statements say 0 % apr  yet the balance is still being charged an interest charge every month. We were told a solution should be there for us with in 48 to 72 hours by XXXX. However this is the second time this occurred and we have 0 confidence that a solution will happen.
Product: Debt collection

Santander is trying to collect on a debt that was already paid via charge off.
Product: Checking or savings account

My case number with the bank is XXXX XXXX XXXX Someone stole my money from the bank. ( Direct Express ). The amount stolen was around {$2000.00} ( not sure about the amount but over {$2000.00} ). Prior to these,, the bank blocked my account. I couldn't withdraw from the account. The bank Customer representative told me they were going to open the account for me to withdraw the money I need and after they would close the account and give a new Atm card because they suspect someone is stealing money from my account. I withdrawed {$1600.00} from the bank and left over {$2000.00} in the account. To my surprise the bank did not issue another card neither did they close the account. This was the period in which the thief stole over {$2000.00} from my account. I informed the bank and asked me to fill out a form which i did .They later came out to deny my claim. Please help me to visit my case.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative XXXX 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Product: Checking or savings account

I already have an active complaint which Chase reached out to me and was supposed to stop payment on 2 checks and deposit them back into my account. Only one check was deposited and so I called today and at first was told the other check would be released by the end of today! The end of today came and no check! I called back and they said they had no recollection of this! I want my funds deposited back into my account NOW!
Product: Debt collection

XX/XX/year>, I made attempts to contact this company ( Hunter Warfield , Inc ) through mail to have the information removed from my Consumer Report which was unsatisfactory As governed by 15 USC 1581 ( b ) this information was furnished to XXXX, XXXX and XXXX XXXX without my written consent, this violates my rights as a Consumer.
Product: Checking or savings account

I lost my wallet around XX/XX/XXXX, XXXX i called the bank to report that I lost my card and for them to block it. On XX/XX/XXXX an unknown person went to a bank and deposit a check without fund for {$340.00} and withdraw {$340.00} on my checking account. called the bank to make a complain they gave me my money back but today XX/XX/XXXX the bank took {$680.00} out of my checking account because they said my claim was denied because my picture id match with the debit card since i already called them to say may wallet with my Id and debit card was lost. i went to a bank they told me about the check that was deposited on my account and the check didn't have my name or my signature and ask to see the camera and they told me that they are no allowed to show me the video. Basically someone just went to bank pretending to be me and withdraw money out of my account and now the bank is refusing to give my money back. i need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Lord and Taylor Submitted a hard inquiry on my credit report without my authorization.
Product: Checking or savings account

On XX/XX/2022, ( Payor ) wrote a check number XXXX to ( Payee ) for the sum amount {$68000.00}. On XX/XX/2022, Payee made an ATM check deposit for said sum amount in question. The Payees bank TD Bank placed a 6-day business hold on the funds and subsequently the hold being lifted put a restriction on the Payees account for identification verification. On XX/XX/2022, both Payor and Payee entered TD BANK branch located on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Fl. XXXX, for the purpose of identification verification. Upon such verification TD Bank refuse to release the funds to the Payee and informed him that his account was being closed stating TD Bank no longer want relationship. 

Currently, TD Bank has been in possession of the {$68000.00} in question for approximately 9 months and refuse to release the funds to ( Payee ) after identification verification was completed and without valid cause and refuse to have the funds return to ( Payor ) account upon Payees request. TD Bank has an obligation to return funds not subject to fraud back to where it originated.

However, Payor was directed by the Payees bank TD to reach out with XXXX XXXX XXXX and have the bank submit a claim requesting the funds to be returned to the Payors account. According to TD Banks Back Office, XXXX XXXX XXXX has not submitted any claims requesting the funds to be return back to the Payors account. XXXX XXXX Bank has an obligation to the Payor to make such request upon Payors request and has failed to do so.

Payor has made numerous calls to XXXX XXXX XXXX  requesting that a claim be submitted to TD Bank to have the funds returned to his account. XXXX XXXX XXXX allegedly submitted a claim requesting the funds to be returned according to their BACK OFFICE but have not provided the Payor with any documentation as proof showing a stamp date and time as to when the claim was submitted. XXXX XXXX XXXX has continuously relied on its response dated XX/XX/2022, stating, In researching your inquiry, we determined the issue of possible fraud on your account needs to be resolved directly between you and PAYEE, to deny Payors request in submitting a claim to have funds withdrawn from his account returned, thus depriving him of his property ( monies ) that was in trusted in the hands of XXXX XXXX XXXX. 

XXXX XXXX XXXX has willingly refused to submit any claims to TD Bank requesting the funds to be returned to Payors account and to provide any documentations demonstrating that such request was made. The monies are not subject to fraud nor there exist any evident that would state otherwise. Both Banks are violating the Payors and Payees rights in depriving them of the monies without any valid cause and are abusing their power in doing so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate account this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Report Agency has included in my personal credit report information from other credit information obtained by Corelogic, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. XXXX XXXX action to freely place such incorrect information from Corelogic and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : Corelogic and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found XXXX XXXX action to place the reports from Corelogic and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts.
Product: Debt collection

I am writing to formally dispute the accuracy of the information you have provided to consumer reporting agencies regarding an alleged debt. I believe that your reporting of this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681-s2 ( 7 ) ( A ), as well as the Truth in Lending Act ( TILA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ). 

I dispute the following information : Collection account amount of {$730.00} updated as of XX/XX/2024 I request that you immediately investigate this dispute and correct any inaccurate information reported to the credit bureaus. Pursuant to the FCRA, I am entitled to a written notice of your investigation and the results. 
I believe that the information you have provided is inaccurate because I spoke on the phone with a rep and inquired the proof of information that the debt is mine and to send a copy of the original contract validating if I contracted with you and haven't received anything I hereby revoke all authorization for Radius Global Solutions to communicate with me via email, text message, or telephone. All future communication must be conducted in writing via certified mail I am requesting a copy of the purchase agreement between Radius Global Solutions and the original creditor. Additionally, I am requesting proof that Radius Global Solutions is licensed and bonded to conduct debt collection activities. 
I look forward to your prompt response to this dispute. 

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

I have contacted both the credit reporting company and Transunion to investigate verify and remove inaccuracies on my credit profile they are still invalidly reporting the following unauthorized inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several addressed several misspellings and several things on my credit that r not mine and they remain I called the company and told them to prove that I did it and call me back which they never did my phone number is different now its XXXX Also I had a fraud alert from XX/XX/2020 bcuz I knew someones been using my identity and their r many hard inquiries and things after the fraud alert was placed that shouldnt b there bcuz no one called me