23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX, account number XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX  XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year> I requested my insurance score report from Lexis Nexis after receiving insurance from XXXX XXXX XXXX sent a letter with a link. The link didn't work. Called customer service, they couldn't get it to work. They said they will send over another link by snail mail. 

XXXX? I received the XXXX letter with the link, letter is dated XXXX which is weird because it was after the 1st link didn't work and that letter was dated XXXX. I Are they back dating letters they send out to consumers? 
The 2nd link didn't work, Called customer service, they coul n't get it to work. They told me they would send me a PRINTED REPORT. This was XX/XX/XXXX I waited for the snail mail, no report arrived. Called them and they said they see that the report went out. I told them I haven't received it, they say they are going to send out ANOTHER? printed report. 

XXXX - no report received. Called them, they said they would send out a ANOTHER copy of the printed report XXXX NO REPORT RECEIVED, filing a complaint
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX ) XXXX XXXX XXXX-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )
Product: Credit reporting or other personal consumer reports

NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!!

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - XXXX XXXX XXXX Experian XXXX - Equifax DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXXso XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed SSA-89 form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT
Product: Debt collection

Portfolio Recovery Associates XXXX has been contacting me about a debt they say I owe them, I have never done business with them, nor do I owe them any money, no credt has been extended nor any services ever rendered to me from this company. They have been calling my work place during working hours. Account # XXXX. I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between PFR XXXX and I that im responsible for the debt on this account. Thank you
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already to " XXXX XXXX XXXX '' I have enclosed my government issued ID, social security number, and affidavit of identity for verification
Product: Credit reporting or other personal consumer reports

PayPal Credit has reported someone else 's delinquent PayPal Credit card account onto my credit report again, this is a reoccurring issue with them. After calling multiple times they don't know what they are doing and can't understand that the card account is not mine, after explaining the situation to several employee 's who don't understand the issue I am totally frustrated. I have notified the credit bureaus. This has happened several times telling me they haven't tried to locate the actual owner of the account. I have never had a PayPal credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ironhorse Funding LLC ( Finance ) show inquired on my credit report XX/XX/XXXX. I did not authorize this. I attempted to call them on XX/XX/XXXX. As soon as I hello, I have a question about my credit inquiry, they hung up. I believe it's fraudulent inquiry. thank you.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I applied for the PLSF program and my student loan servicer switched from XXXX to XXXX. In XX/XX/XXXX, I received a message that XXXX was switching the service platform for my student loans. On XX/XX/XXXX, I pulled my credit report from Experian and it showed that I owed essentially double the amount in student loans. In looking at the loan details, my student loans were being shown in duplicates with both XXXX and XXXX. I contacted XXXX and asked if this was an issue on their end as reporting my accounts still open with them. XXXX assured me that my accounts were closed with them and that the issue was with XXXX not correctly reporting to credit bureau that there was a " credit continuance '' with my student loans. When I tried to log onto my account with XXXX, my profile was not showing as existing in their system because my accounts were being transferred to their new platform. They told me that there was nothing they could do on their end until the transfer was complete and to just call back at a different point in time. This is incredibly stressful because my credit report is showing as having nearly {$200000.00} in debt as opposed to ~ {$95000.00}. I was in the process of finding a mortgage broker to start the loan preapproval process ; however, I now have to halt this process until my credit report is corrected to show my actual loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still awaiting feedback from the complaint I submitted with TransUnion on my credit score. It's been over 60 days since TransUnion 's initial response on this complaint filed here and I have not heard anything back, nor has anything been addressed as to why my credit score dropped XXXX points without a reason. 

There is still an ongoing problem with XXXX XXXXXXXX XXXX XXXX XXXX  either not reporting my payments to TransUnion, XXXX, and XXXX, or with these credit bureaus not updating the loan status on my credit reports. The loan balance has not been updated since I made a payment on XX/XX/XXXX. This is an ongoing issue. The balance on my XXXX XXXX XXXX was {$8800.00} on XX/XX/XXXX. On XX/XX/XXXX, the balance was {$8600.00} and as of today, the balance is still being reported at {$8800.00}, as of XX/XX/XXXX. As of today, the balance is {$8600.00}. 

This results in an old past due student loan from XXXX never falling off of my credit reports, keeping my credit score from improving. The last past due/missed loan payment occurred in XX/XX/XXXX, and the XXXX loans have been paid off since XX/XX/XXXX. 

I want these issues resolved as I am trying to restore my credit score to what is was prior to the XXXX point drop back in XXXX XXXX. 

Thank you.
Product: Debt collection

This debt with XXXX XXXX Hospital lab in the amt of {$150.00} was resolved in XX/XX/2018. XXXX was notified by XXXX XXXX Hospital at that time. I've received at least two more collection letters from XXXX, the latest on XX/XX/2018. XXXX XXXX Hospital has contacted XXXX twice and told them to remove this account from their books ( it wasn't removed when requested in XXXX ). The XXXX XXXX rep was told it would be removed that day. Yesterday I received another collection letter from XXXX to collect this same debt. They continue to harass me to collect this money even though XXXXXXXX XXXX   Hospital has notified them twice that it is no longer owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to me.
Product: Debt collection

Transworld Systems is alleging that I owe a debt to XXXX XXXX. They have no proof of this debt being mines & neither are they licensed & bonded to collect in the state of Texas. For a debt collector to be able to do business in a state it has to be bonded & theres no bond on the state of Texas Secretary of State website. What theyre doing is not only unethical its also a violation of the FDCPA
Product: Credit reporting or other personal consumer reports

I am checking on the status of Complaint ID : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent a letter back stating that the late payment reporting in XX/XX/XXXX would be removed from my credit report within XXXX days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the XXXX XXXX and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days.
Product: Debt collection

CREDIT MANAGEMENT LP HAS {$250.00} OWED IN COLLECTION REPORTING ON MY CREDIT REPORT THAT I WASNT AWARE OF.
Product: Checking or savings account

On XXXX XXXX I received a email from chime stating that my account had been closed. They didnt send me any email prior letting me know that this would be happening. When I reached out to chime customer service I spoke with a representative and a manager. The manager stated that she also didnt see why my account had been closed and that she didnt see anything that was sent out to my address or email before hand letting me know that they would be closing my account. The only resolution she gave me was for me to email chime support department for some kind of answer since they dont have a phone number. I sent a email to them for them to say that I didnt meet the deposit agreement in which I knew was a lie since I had just had my tax refund deposited into the account on XX/XX/2023 not even 30 days ago. I let them know that I was waiting for a refund to be sent to my chime account and ask for them to reopen it. The only reply I received back was that I would receive a check in the mail in 30-45 days for the funds in my account. No one has emailed me back since then. I banked with chime for over 3 years and never in my life have I dealt with something so unprofessional before. This has inconvenienced me in so many ways and they dont even care. Im unable to get my money out of my account they didnt even give me proper notice so I could have moved my money. Now I cant pay my bill until I receive my money.
Product: Credit reporting

1. I settled a loan from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to remove account. I sent copy of letter of settlement from XXXX XXXX XXXX XXXX to Transunion, XXXX and XXXX. However, account was not removed or updated. 
2. All credit reporting companies are reporting an account from XXXX. I have never dealt with this company. I paid off XXXX XXXX XXXX and I have no balance. However, Investment retrievers have kept reporting negative information on my credit file. 
This is inaccurate information has adversely affected my credit score. The credit reporting companies are not following the federal Fair Credit Reporting Act ( FCRA ) which requires them to report accurate information.
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 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the 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: Checking or savings account

My credit report monitoring company informed me that on XX/XX/2021 a chacking accou t was openedon my behalf. This was done at a TD Bank branch located at XXXX XXXX XXXX, XXXX, SC XXXX. This although all my credit and Social Security Number are frozen or locked. I have not opened any accounts at this branch or any other TD Bank branch.
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 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 XXXXXXXX Account 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, credit repair services, or other personal consumer reports

I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!
Product: Credit card

American dispute reference # XXXX Merchandise : XXXX Dispute amount : {$930.00}, under order # XXXX Date 0 : XX/XX/XXXX, original purchase Date 1 : XX/XX/XXXX, get credit back almost instantly after submitting dispute Date 2 : XX/XX/XXXX, re-bill my account, resubmitted dispute XX/XX/XXXX, re-submitting dispute Date 3 : XX/XX/XXXX, credit back to my account Date 4 : XX/XX/XXXX, re-bill my account XX/XX/XXXX, re-submitting dispute Date 5 : Till now, requiring Amex today, saying still reviewing the dispute. 

Reason of dispute : Order was mis-deliverd to parking lot, while I filled my correct address indicate an home delivry with XXXX XXXX XXXX. I'm unable to find it. It misses. 

Delivery proof : You can see the delivery proof picture is a parking lot, not my home. 
Fedex # XXXX, https : XXXX? XXXX & XXXX The address I filled : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
( The address is valid, the order also from XXXX ( XXXX # XXXX ), XXXX XXXX, and XXXX XXXX, did successful delivery. ) The response of Amex 's re-bill : In response to your inquiry the merchant has provided the charge details including the explanation of the charge as the merchant states photo evidence is of the parking area in the front of the " The Den '' which is a student housing complex and not of a roadside. 

My complaint : how could American Express re-bill me, even they know ( and XXXX also admitted this area is not my home, it is a parking area ) The package was misdelivered to parking lot is not right, XXXX should be responsible for their package delivery arrangement. American Express should not re-bill me, and credit me back.
Product: Money transfer, virtual currency, or money service

After creating my GEMINI online account. They don't want to verify my account, as well as my identity, in order to make transactions. I obviously sent all the necessary documents.

This has been going on for over 2 weeks.
Product: Debt collection

To Whom it may Concern : Centental Service Group # XXXX This is a legal NOTICE AND COMPLAINT REQUESTING documentS and request for proof of claim, Under 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX XXXX that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on FTC report are not my accounts
Product: Prepaid card

Somebody stole my cell phone and wallet which included state identification Driver 's license social security card. While I was XXXX  they completely Exhausted My resources with the help of Bank of America. 
They were able to spend In a Single month. over XXXX XXXX dollars XXXX. Send send over over a dozen supporting documents. I'm sure including. 
Proof of residency, 7 months later. At 3 day pair quit. 
Due to bank of america with holding my Money from me. 
I beleave They have efficient evidence to clearly see I had nothing to do with the claims. And need to pay me my claims That I disputed with interest for the XXXX months of deniel and causing the eviction BoA has done nothing but denied my funds for me the only true owner
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my credit report is inaccurate, addresses need to be removed -15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX only address is XXXX XXXX XXXX. XXXX XXXX Place of Employment is XXXX this the correct information that belongs on my credit report nothing else..