23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written to this company on multiple occasions to get this issue resolved. I have never had services with this company, and I am not aware of who they are. They are claiming that I owe a debt for services or merchandise that I have no knowledge of. I have informed this company that this is a case of fraud and identity theft, and I have asked them to cease reporting this fraudulent information to the credit reporting agencies. They have refused to remove this from my credit, and now I am prepared to seek litigation for monetary damages. This fraudulent entry on my credit report has caused me great financial distress. Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you XXXX again for your time and I look forward to having Midland Credit Management removed from my credit file.
Product: Vehicle loan or lease

Hyundai Motor willfully repossessed the vehicle in 2022, however, upon recent discovery I found that the account states it was charged off. Since it has been reported as inaccurate information it should be removed immediately.
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 the Electronic Funds 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

Ive tried over 10 times to get them to remove all the incorrect information but yet they did not want to help me fix it. My name date of birth and adress is wrong on the reports. But they dont want to help me update it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently just started reviewing my credit report and found a lot of false and unverifiable information on my report. So a month ago I send a dispute to XXXX, Equifax and XXXX. I sent the letter on XX/XX/2021 and still haven't seen any response about my disputes, they're a lot of law being broken her according to the FCRA and the recently passed pandemic CARES Act.. 

Please make these bureaus follow the LAW, not right to be taking advantage of as a consumer. I need this problem fixed ASAP I will not wait another 30 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and one of big 3 has broken state and federal laws concerning fraud on XXXX credit card from 2013. The other 2 earased but equifax blocks me from getting on site even as paying customer. Then they have 6 hard inquiereys that they want take off. Also latee payments were not done by FAIR CREDIT REPORTING SECTION 604, 609, 611 AND 623. THESE FOREIGN WORKERS DO NOT DO ANY AMERICAN LAWS WHEN THEY FAKE PUTTING IN DISPUTES. I WANT XXXX FOR XXXX XXXX DOLLARS OFF ACCOUNT AND THEN THEY HAVE ME BEING LATE ON OTHER XXXX CARD AND NEVER LATE. 6 HARD INQUIEREYS WERE NEVER LOOKED AT. SO MANY ISSUES. EVERY BAD ISSUE SHOULD BE STRICKEN FROM MY FILE BECAUSE THAT IS LIKE 2 OTHERS THAT FOLLOW THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If Transunion chooses to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The person claimed to be the owner of a house that I was interested in leasing. They instructed me to send security deposit to ensure I was serious about renting the house using XXXX payment service. They instructed to send {$950.00} to the email address XXXX using the name XXXX XXXX. I had issues sending payment so I requested their bank information in order to deposit a check. The banking information they gave was XXXX XXXX at chase bank with the above routing and account numbers. I ended up getting the XXXX payment to work, so I sent it that way. They promised to send a lease and proof of ownership the same daywhile they sent a lease, it is entirely fake and they were unable to prove ownership of the house. The receipt sent for the security deposit listed the following vacant address : XXXX XXXX XXXX, XXXX, XXXX, Florida, XXXXWhen I pointed this out they stopped responding to all calls and messages. Another number found was ( XXXX ) XXXX Bank Info : Bank Name : XXXX Bank Account Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX
Product: Debt collection

Correct this immediately as your denial violates the law. Remove these fraudulent accounts swiftly or face legal escalation. Your prompt attention to this matter is expected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX main credit bureaus showed that I had a balance with XXXX XXXX XXXX XXXX opened in XX/XX/2022. I have never used XXXX XXXX XXXX XXXX in my life, as I thought it was only for servicepeople and their families. I called XXXX XXXX XXXX XXXX in XXXX and they confirmed to me that they also suspected fraudulent activity when the account was opened and closed it within XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ). They also confirmed with me in XXXX the account was closed, but the credit unions still showed I had an unpaid balance of over {$7000.00} for XXXX XXXX XXXX XXXX. I immediately disputed on all XXXX  credit bureaus. XXXX confirmed the XXXX XXXX XXXX XXXX card was fraudulent and removed it. but Experian actually said they confirmed the info on my account. XXXX did not show XXXX XXXX XXXX XXXX as XXXX of my accounts, so there is no issue there. 

My complaint is to Experian, since I'm not sure how they could confirm information that is clearly false and fraudulent. For Experian, the report number is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my Experian account that the account for the company XXXX XXXX would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at XXXX XXXX XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

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

This company refuses to complete an investogation to my concerns, I provided documentation that one item had been paid to the company before, it went to the collection agency, the next one I proved more documentation about the medical bill but Equifax refuses to address my concerns. 
PAYMENT HISTORY Note : Insurance paid {$510.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$120.00} XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX You have 100 % left to pay on this collection. 

Balance {$110.00} Highest Balance {$110.00} Opened Note Paid by XXXX PAYMENT HISTORY Note : Insurance paid {$450.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$110.00} XXXX XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX The company refues to up date or dispute our accounts
Product: Debt collection

XXXX XXXX XXXX is reporting as an collection account on my credit reports. I never received any bills or collection notices. I have never opened up any XXXX account in XX/XX/2019. I have requested for validation of this debt and still havent received anything as of today. This account was opened fraudulently. I have disputed this account and havent gotten no where. I dont have no acknowledgement of this collection and its ruining my credit scores.
Product: Vehicle loan or lease

XXXX XXXX has misleading information about this auto loan on my credit report. I ask them to remove this from my report ASAP. Misleading information is illegal. this is not my auto loan. 

Balance # {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. After reviewing my consumer report, I noticed that there were several hard inquiries on my report which I did not authorize. On XX/XX/ 2021, Experian deleted the hard inquiries from my consumer report which I disputed ( See Deletion Page Attached ). A DELETION is ADMISSION of violating the consumer. The following laws were in violation of my rights as a federally protected consumer under Title 15 Chapter 41. Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to Experian to furnish these hard inquiries to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for these hard inquiries to be reported, it was identity theft. Experian also allowed these different corporations to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by Experian ( before furnishing the information ), these hard inquiries should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent Experian an affidavit of truth, an invoice, and a supporting document which they received on XX/XX/2021.
Product: Checking or savings account

XX/XX/XXXX {$1800.00} unauthorized XXXX  transaction was done to an unknown account XX/XX/XXXX {$900.00} unauthorized XXXX  transaction was done to an unknown account i called and disputed both these transactions and an investigation was done and my refund was denied because i was told the transactions were indeed authorized.
Product: Credit reporting or other personal consumer reports

I SENT XXXX, XXXX, AND EXPERIAN LETTERS CONCERNING THE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT ON XXXX AND THEY HAVE DONE NOTHING AND I HAVE ATTACHMENT DOWN BELOW. 

SEE ATTACHMENT AND PLEASE DELETE
Product: Checking or savings account

Dear Sir/Ms.i would like to complain about my closed account on line with city bank, I, ve tried to open account on linewith your bank, but after they open the account and i deposited {$1000.00}, your bank representative, closed the account without sending my fund ( the {$1000.00} ) and for almost 4 month I have been calling talking to too many supervisors, and get promisesabout sending the check but they neverfinish their job and i never get my check .MY ( ACCOUNT NUMBER is ( XXXX ) name on the account XXXX XXXX .you are keeping my money .I 'll start complain with you for now .please respond. My phone number is XXXX and the supervisor isXXXX XXXX.Ineed my money
Product: Student loan

MOHELA is refusing to certify 2 PSFL for a Department if Veteran Affairs federal employee, employed from XX/XX/year> to current, all form were submitted multiple times the HR Special has contacted MOHELA verifying employment ect. 1 letter requested a qualified signature, when that was received 2 letter states the denied because the Department of Veteran affairs is a for profit organization which we all know that is not true.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : KAY JEWELERS Account XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX  Employers : XXXX Employers : XXXX XXXX XXXX Collection/Charge Off XXXX XXXXXXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Late Payment XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Purchased a gift item found on XXXX advertised as " Buy 1 get 1 Free '' The ad says,, " 100 % USA owned and operated ''. " 100 % Customer Satisfaction ''. 

Sent payment thru PayPal ... and immediately discovered it went to " " Nothing USA about them ... 

I received ONE of what I ordered,, the second item was not at all the same.. Seller writes back .... 
" This is how we do to every customers with this product, it is a buy 1 get 1 product, so the free one is get to our picks, it will be the same size or it will may not, so it is random, also i believe we didn't mentioned it will be the same size on the product page. Thanks for your time. '' PayPal refuses to help, In fact there's hundreds of sub posting just on one PayPal post on XXXX,, Angry customers cheated via PayPal ... ( They blocked me ) XXXX should not knowingly allow these false ads.. 
I believe the two are complicit in defrauding the American Consumer. 
Had I known,, I never would have purchased ... ... 

Happy New Year ... I'm just frustrated,,, would love to have some resolution that would prevent this sort of thing from happening to others.. I'm sure you're busy with far greater things,, just hoping to just bring this to someone's attention. 
Thank You
Product: Debt collection

I receive letter in the mail from XXXXXXXX XXXX On behalf A XXXX timeshare. XXXX has maintained action of collecting mortgage payment and cleaning fees monthly. When I refer back to my bank statements XXXX has stopped collecting money out of my account and has not contact me regarding issue via phone or email. I have not receive letters from XXXX Last letter received Was XX/XX/2020. Due to issues in the mail around that time it is understandable that most mail was lost Where I had to go to the Post Office to retrieve my mail. I recently received A collections Agency information by the name of XXXX requesting {$15000.00} in debt. I believe that was accumulated due to XXXX not continuing To retrieve money from my account and Large late fees. Per my bank statements cleaning fees of the resorts continuously were taking out until XX/XX/2020. I'm seeking assistance to see how can I move forward to dispute this debt collection as I have been a timeshare holder for 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts open with authorization. 

XXXX XXXX XXXX XXXX DATE OPENED XXXX BALANCE {$130.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$430.00} XXXX XXXX  DATE OPENED XXXX BALANCE {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX  : XXXX, XXXX XXXXL : XXXX, XXXX  XXXX XXXX : 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a formal complaint against Equifax regarding the handling of a fraud alert on my credit report. This situation has caused me significant frustration and has negatively impacted my ability to secure a mortgage for a home. 

Despite numerous calls to Equifaxs customer service number, I have been unable to resolve this issue. I have been repeatedly instructed to send documentation to have the fraud alert removed, which I have done. I provided a copy of my ID and a W-2 as requested. Despite this, I continue to be informed by Equifax representatives that : There is no fraud alert on my report, even though my lender has confirmed its existence. 
The fraud alert remains, which prevents my lender from accessing my credit report. 
I have been given conflicting information, and the lack of resolution has been beyond frustrating. To make matters worse, the Equifax phone line frequently disconnects or directs me to representatives who offer no actionable assistance, leaving me feeling as though I am being given the runaround. 

This issue has reached a critical point. I am in the process of purchasing a home, and the unresolved fraud alert is jeopardizing my ability to proceed. I am at my wits end trying to navigate Equifaxs unhelpful system. 

I request your assistance in addressing the following : Immediate removal of the fraud alert from my credit report. 
A thorough investigation into Equifaxs handling of my case and their failure to resolve this issue despite my compliance with their instructions. 
Improved customer service processes to prevent similar issues from happening to others in the future. 
Please let me know if any additional documentation is required to expedite the resolution of this matter. I appreciate your prompt attention to this issue and look forward to your assistance in achieving a resolution.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.