23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have spoken to several representatives with XXXX XXXX over the past month. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXXe for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she 's not sure what the charges are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex has pulled my report without my consent. I called and sent them a letter informing them about the issue. The representative told me he couldn't find my ssn in the system and that they never pulled anything but it's on my reports not once but twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.
Product: Debt collection

Credit Systems placed 3 collection accounts on my credit report XXXX in to the amount of {$36.00}, XX/XX/2020 in the amount of {$36.00} and on XX/XX/2020 in the amount of XXXX this is not mine debt Credit Systems didn't tell me or disclose that under contract law I don't have to do business with them. I feel that Credit Systems are attempting to extort money out of me at a time when I have been affected by Natural or Declared Disaster ( e.g. Covid 19 )
Product: Debt collection

There try to collect a debt from XX/XX/XXXX from XXXX XXXX in the amount of {$280.00} .In XX/XX/XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance community currently in court about this matter.
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 Customer 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 of these violations.
Product: Checking or savings account

My direct deposit that is scheduled to go into the capital one account on XX/XX/year> is not yet accessible and its XX/XX/year>. Unable get access to my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I made Experian aware of the misleading and inaccurate collection account alleging a debt in the amount of {$320.00} they are reporting on my credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for experian to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. experian, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Experian Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
Product: Debt collection

Midland Credit Management INC at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$790.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to TransUnion on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as Trans Union, "  shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 7 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXt ( XXXXXXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX (  XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid and still contain asterisks as numbers. The law states that the correct and complete information should be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX  " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXX XXXX XXXXXXXX Late Payment Account XXXX UNIV XXXX Charge Off Account US DEPT ED XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  MO XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you. 

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.
Product: Credit reporting or other personal consumer reports

The accounts listed in the report fraudulent acounts that need to be removed immediately. They are affecting my ability to obtain credit to continue running my business. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF ED/XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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Product: Bank account or service

I opened a One Deposit Checking account online with Citizen Bank ( XXXX. XXXX XXXX XXXX XXXX, RI XXXX ) in XX/XX/XXXX, been doing all my transactions online or using debit card in XXXX XXXX, NY that I reside, received emails from Citizen Bank and downloaded my paperless statements. 
On XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX from bank indicating my account is overdrawn {$120.00} urging me to make a deposit. I downloaded my latest XXXX/XXXX/XXXX statement, it show that my account was overdrawn {$2.00} on XXXX/XXXX/XXXX, bank charged {$35.00} overdraft fee on XXXX/XXXX/XXXX, then a {$30.00} sustained overdraft on XXXX/XXXX/XXXX, another {$30.00} sustained overdraft fee on XXXX/XXXX/XXXX and a third {$30.00} overdraft fee as was implied in XXXX/XXXX/XXXX letter or charging me {$120.00} for overdrafts between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX without letting me know by phone or email that my account was overdrawn $ XXXX.I called the number on the letter and was told that bank had sent me another letter on XXXX/XXXX/XXXX, when asked why not a phone or email message, I was told bank sent the letter. All my other banks alert quickly such matters, later on XXXX/XXXX/XXXX I received an automated message from Citizen Bank urging me to call them, this imply that besides my email they did have my phone number.I did and told them that I already talked to their rep. 
Citizen Bank had my phone and email on file, made no attempt to inform me of the {$2.00} overdrawn amount and charged me {$120.00} overdraft fees, when I called them on XXXX/XXXX/XXXX I was also told that my account is eligible for one time overdraft so the initial {$35.00} fee no longer apply and I just have to XXXX {$90.00} for three times {$30.00} sustained overdrafts. This also imply that if the bank had informed me of the {$2.00} overdraft right away, I did not have to pay any overdraft fine, but the bank did not call or email and kept charging {$30.00} fine over and over, I only have their word that a letter was issued on XXXX/XXXX/XXXX. The only letter I received is dated XXXX/XXXX/XXXX and arrived on XXXX/XXXX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX EST and XXXX EST, each time we attempted to resolve this matter with XXXXXXXX XXXX XXXXXXXX Credit Card service ( Comenity Bank XXXX XXXX. The first time the customer service rep sent us to the main menu after 30 minutes trying to resolve the problem and the second time the customer service rep hung up on us. 

The problem we need resolved is this. We received a {$50.00} certificate coupon. We called XXXX XXXX XXXXXXXX to ask how we can redeem it. We were told we needed to make a purchase adn when the amount reflected on the statement, we could then have the credit applied. Now that we made a {$71.00} purchase, XXXXXXXX XXXX XXXXXXXX has notified us that the credit can only be made at the checkout of a new purchase via the physical store or online. 

We received conflicting information. Either way, we are entitled to a {$50.00} ceritifcate coupon and we ask the company it be applied toward our current balance of {$71.00} so that our new balance show as {$21.00}. 

Our Certificate Coupon is XXXX
Product: Money transfer, virtual currency, or money service

I was on XXXX looking for a puppy to adopt. I made contact with someone named XXXX XXXX through their XXXX ( XXXX XXXX  She had a puppy availabe ( I saw pictures ) I wanted to come to see/buy the puppy, but she wanted to make a 'reservation ' stating she doesn't just let people run through her house. When I asked what was involved in a reservation, she requested a deposit of {$400.00} which she said was completely refundable if I changed my mind. I sent the money through my bank, XXXX and zelle pay to 'XXXX  XXXX XXXX who she claimed was her 'hubby '. She also provided me with an email : XXXX. Believing this, I sent the money. Once it was received, she sent me a contract for the puppy through my email from XXXX. The contract stated I had to pay an additional {$400.00} for the dog, at which point I would owe no money at time of pickup. It also stated that she would keep 10 % handlers fee if I changed my mind. On the bottom of the contract was an address : XXXX XXXX XXXX, XXXX OH XXXX. When I questioned these things stated above, she reiterated sending the additional money. She told me I was wasting her time, so I asked for a refund. What came through on zelle was a request to send, not receive {$400.00}. I then went through XXXX  and asked for the money, which she refused to do. There was another email to XXXX XXXXzelle of XXXX. I had been in contact with XXXX  several times, including attempting to file a claim, at which time they told me there is nothing they will do because it is a cash transfer. I have a copy of the contract and the XXXX XXXX  with this person. She is now offline on XXXX and I can't pull up anything in relation to her trying to rehome a dog. I looked up the address on XXXX XXXX and it looked like the house was abandoned. I have also deactivated my zelle account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$990.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - Bankruptcy chapter XXXX Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.