23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

CFPB needs to add these payment services like Klarna to their options. 

Made a purchase on XX/XX/XXXX using Klarna for XXXX. On XX/XX/XXXX XXXX XXXX made a price adjustment on the purchase and the new amount was {$250.00} not including tax. XXXX XXXX processed the price adjustment. The {$250.00} has not been applied to the original form of payment. It's been 33 days. Then on XX/XX/XXXX i returned one of the items for a refund of {$68.00}. 

Have spoken with or provided Klarna with all of this information XXXX different times. Have done nothing to correct the problem. 

On XX/XX/XXXX I used the Klarna service again to process a transaction with XXXX. The transaction didn't process on the vendor side yet Klarna took the money out of my account. Then on XX/XX/XXXX they reversed it but then charged my account again. There is no purchase or order completed yet Klarna went ahead and took {$470.00} for an order that doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back XXXX  XXXX Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH XXXX WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Transunion : collection account at XXXX  XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$1300.00}, collection account at XXXX  XXXX opened on XXXX XXXX under account number XXXX with a balance of {$4600.00}, collection account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$1100.00}, collection account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$740.00}, collection account at XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$3200.00}, collection account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$14000.00} collection account at XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2000.00}, collection account at XXXX opened on XX/XX/XXXX XXXX account number XXXX with a balance of {$21000.00} These accounts have resulted in hard inquiries fraudulent collections appearing on my consumer FICO credit report. Attached is a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX A Account Number : XXXX Amount : {$190.00} Date of AccountXXXX
Product: Debt collection

Spoke to Convergent Outsourcing Rep informed them that I do not owe the amount they are attempting to collect. Their letter reflects a balance owed in the amount of {$770.00} but the billing records they provided from the creditor XXXX XXXX indicate a balance owed of {$610.00}. There is no explanation for the difference. This clearly violates The Fair Debt Collections Practices Act. I also disputed the equipment charges in the amount of {$420.00} there is no description for what alleged equipment I am being charged for. This account was back in 2017. I do not have a receipt back that far. Convergent is still trying to collect the full disputed balance and has not even corrected my credit report which also violates the Fair Credit Reporting Act, Furnishing False info.
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL AMOUNT ON MY DISCOVER CARD ON SEVERAL DIFFERENT DATES. I CALLED DISCOVER AND REPORTED FRAUD AND THEY DID GIVE ME THE CREDIT BUT THEN THEY TOOK IT BACK BECAUSE THEY SAID THAT I PAID MY BILL, AND THEY DONT UNDERSTAND WHY I WOULD PAY FOR MY BILL IF I DIDNT MAKE THE CHARGES. I EXPLAINED TO THEM THAT I HAVE HEALTH ISSUES AND DID NOT LOOK OVER MY STATEMENTS BECAUSE I DO USE MY CARD TO PAY BILLS AND SHOP HOWEVER I NEVER PAID THESE AMOUNTS FOR XXXX XXXX XXXX ON MY CARD FOR ANY TRAVEL COMPANIES OR TIMESHARE. I DID NOT AUTHORIZE THESE CHARGES AND I DONT KNOW WHO THESE COMPANIES ARE. BUT THEY DISCOVER CARD REP WAS RUDE TO ME AND WAS NOT VERY HELPFUL OR DID NOT CARD TO PROTECT ME AS ONE OF THERE CUSTOMERS. PLEASE HELP ME GET MY MONEY BACK. DISCOVER DID GIVE ME THE CREDIT ON MY CARD FOR ALL THREE TRANSACTIONS BUT TOOK IT RIGHT BACK. WHAT WOULD HAVE HAPPEN IF I USED THIS CREDIT THEN I WOULD OWE MORE MONEY TO THEM. THIS IS NOT RIGHT AND I SHOULD BE PROTECTED AS A SENIOR CITIZEN. I HAVE NO IDEA WHO THESE COMPANIES ARE WHO CHARGED MY ACCOUNT AND I WOULD LIKE MY MONEY BACK.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such information be removed from my credit file. 
Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$100.00} XXXX XXXX XXXX {$110.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a 1099 in the mail from Block inc. care of Cash App. I have never used the app and the 1099 says I sold something for XXXX dollars. With getting that 1099 and trying to file my taxes is a nightmare. I have tried to contact the company several times and in several different ways. I need this corrected in order to complete my tax return.
Product: Credit reporting

They have a judgement on my report. It is not mine. Credit report file # XXXX I have call the court as well I have checked online nothing comes up i NEVER had a judgment against me. XXXX.do nothing comes up NO judgment. i have sent in a letter to equifax saying this is not mine and either remove it or show me proof that 's its mine. They sent me back a letter they validated it. They have not showed me proof even though i requested it in the letter. I called them and they say they can not show me. Either show me proof that its mine or take it off asap! If it is not taken off i will be suing them in court. For every single violation they have committed.
Product: Debt collection

To start : The company Credence Resource Management LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, contacted me about my grandfather 's " medical bill. '' I told them that I was his POA and that he has passed away and because of his passing I do not have the authority to pay them until I am appointed personal representative. I informed them that their client is welcome to provide the information that they have so that way I can place them on the list of Creditors for XXXX XXXX ( XXXX XX/XX/XXXX ). I also at this time requested all details from Credence Resource Management LLC. No information has been provided. They have failed to send the 5-day letter that would contain information about the bill and in their emails, they also are missing their " mini-Miranda '' warning ( informing me of who they are and so on ). 

I have emailed them again on XX/XX/XXXX @ XXXX mountain time requesting again any information that they have. on Saturday XX/XX/XXXX they responded that they have received my message and that it would be logged. It is now the XXXX and no information has been provided by them. I have also noted that they have reported my grandfather 's debt to my credit report, and it needs to be removed. I have attempted in goodfaith to resolve the matter with them and have received no information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is Transunion and XXXX  a company like XXXX XXXX XXXX XXXX? I called XXXX XXXX XXXX XXXX. They were wrong and unlawful and didnt have permissible permission that accessed my personal information that led to fraud. However, they are the big rich company and will do things their way regardless what is right. They expect more of my personal information to perform a fraud investigation. This is why just within the last 100 days, XXXX XXXX XXXX XXXX has deleted 66 requests and complaints by labeling as duplicates and not answering one single request or complaint. Instead of acting like a normal person and saying oops, were sorry we accessed your credit report without permission and we will make it right ; they state they have their policies and standards and will do things their way and they need more private information from me. This all goes back to the beginning when XXXX XXXX did not valid permissible permission to access my credit report. And Transunion and XXXX  went along because they are big too, XXXX XXXX is their client and they need to look out after each other and American people are small.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$340.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

In early XXXX I was given a past due notice for a tax bill I never received. I attempted to resolve this with the debt collector and my local municipal government through a combination of email, phone calls, and in person conversations but proof of a delivered tax notice was not provided. 

I offered to pay the tax amount, but was not willing to pay the collection fees. Sharp Collections was not willing to provide this amount to me, nor was my municipal government willing to accept payment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wells Fargo XXXX XXXX XXXX XXXX, MN XXXX Date : XXXX, XXXX 2024 To Whom It XXXX Concern : 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 : XXXX Card # Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX  v XXXX XXXX XXXX ) 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 XXXX XXXX  XXXX will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

I have had this car loan since XX/XX/2020 and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA.

They do not care to be legally complaint is a FACT.
Product: Credit reporting, credit repair services, 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 1681A states I have the Right to privacy. 
15 usc 1681 section 604A 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 than records of convictions of crimes which antedates the report by more than XXXX years XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX & XXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXXXXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX  XXXX acct # XXXX & XXXX XXXX. Applied XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX  acct # XXXX & XXXX XXXX. XXXX acct XXXX XXXX
Product: Credit card

My credit dropped because I was put back on my husband credit card after being removed for 5 years. I reached out to Sams club they said it wasnt them wii hi I did this and I reached out to experian no one wants to be held accountable for their actions but I have a right to know why was this done. If no one admit to doing this I will continue to look into this matter until an appropriate answer is given and since its election time I will reach out to a candidate. My credit is being looked at by XXXX XXXX and I dont have an account with them once again who gives these people the right to do what theyre doing
Product: Debt collection

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Debt collection

XX/XX/23 My debt was paid to the original debtors. The original debtors was the city of XXXX XXXX. Penn Credit Corporation is reporting a collection on XXXX they cant collect for. It was deleted from XXXX and XXXX.