23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am writing to formally notify you of a discrepancy in my credit report concerning a late transaction dated XX/XX/2024, which appears to contravene the stipulations of 15 USC 1681a ( a ) ( 2 ) ( A ) ( i ). This law explicitly excludes certain consumer transactions and experiences from being reported in consumer reports and this is not a personal account.

As this entry may adversely affect my financial standing, I request an immediate investigation into this matter and, if warranted, the removal of this entry from any and all consumer reports. Please find attached all pertinent documents and correspondence related to this issue. 
Please confirm receipt of this letter and inform me about the steps you will take to address this discrepancy and provide evidence/ steps via mail certified! I expect a response within 15 days as mandated by law. 
Thank you for your cooperation and understanding.
Product: Checking or savings account

Hello My name is XXXX XXXX My wife and I have become victims of scammers. On XX/XX/year>, my wife received a message on XXXX, with an offer from an XXXX to paint her portrait, specifically her figure against a landscape backdrop, promising to provide all documents of ownership and confidentiality. After viewing the XXXX 's page, it was clear that people used her services, as her social media page displayed her work. After some correspondence and resolving the technical details regarding the painting, my wife was promised a reward from the so-called customer of the painting. Of course, my wife agreed, since, living in XXXX, she had already had similar offers, and neither she nor I could have even imagined that this could be a scam. 
A few hours later, my wife received a photo of a check on social media, which she was supposedly supposed to deposit into her account ; this was supposed to be the so-called reward for using her photo for the painting. But since my wife and I share one account at Bank of America, and my account is the primary one, we deposited the check into my personal account, not even suspecting that we were being deceived and becoming victims. Account number - XXXX, Routing number - XXXX. After depositing the check, the correspondence with the XXXX continued, and everything seemed to be in order, but the next day we could not use our Bank of America XXXX ( and subsequently received a message that the account was blocked ). My wife began writing to the person on social media who had sent the check, but no one responded to the messages anymore, and then we realized that we had been scammed. 
During this scam, we were on vacation in XXXX XXXX. Upon returning home on XX/XX/year>, to XXXX, XXXX we immediately went to the police, told them everything that happened, showed them the correspondence on social media, a photo of the check, and filled out a report stating that we had been deceived and become victims of someone's scam. The police recommended that we contact our bank and that they would help us there. On the same day, XX/XX/year>, we went to a Bank of America branch and told them our story, how we had become victims of someone's scam. But the only response was that they could not help us in any way. They told us that we should call the Bank of America headquarters at ( XXXX ) XXXX. When we called there, we told our story again, and in response, we heard that they could not help us in any way, because we had deposited a fraudulent check into the account and thereby defrauded Bank of America. But in reality, we simply became victims in a foreign country ; we could not have even imagined that this was possible. 
And now my account at Bank of America is blocked because I, XXXX XXXX, was the primary account holder. My account is blocked for a very long time. I can not open accounts at other banks. All banks refuse to open an account for me, and this is a problem for my future life. I want to clear my name because my wife and I became victims of fraud. I want to be able to use banking services again. In this letter, I am providing you with all the evidence of this situation.
Product: Credit reporting

I once again have received XXXX letters on the same day from Equifax, telling that my address has been changed from new address back to the old address ( 4.5 years ago ), and the other letter, says that my new address has been changed from the old address. I 've scanned these letters.
Product: Debt collection

LVNV debt collection agency has responded with a statement saying they notified me via mail on XXXX/XXXX/XXXX ... I am providing documentation of a lease agreement with XXXX XXXX in XXXX XXXX where I moved to on XXXX..and I am employed with XXXX XXXX. Therefore, I was NOT notified of debt and LVNV is making a false accusation. The amount of {$1000.00} has been reported to all 3 credit bureaus and done so without notifying me of debt in their possession prior to the report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AT EXPERION CANT ADD, I AM AT LESS THAN 15 % ON OPEN ACCOUNTS HAVE STELLER HISTORY OTHER AGENCY 'S HAVE ME AT XXXX PLUS ARE YOU SLOW OR PERHAPS XXXX TOO MANY BLONDS WORKING???
Product: Money transfer, virtual currency, or money service

PayPal - negative {$4200.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

On XX/XX/2023, I received two letters from Resurgent Capital Services attempting to collect a debt from Web XXXX XXXX One in the amount of {$2800.00} and the other {$1700.00}. I responded back to these letters with a Debt Validation Letter explicitly asking them to not communicate with me via email or anyway until the debt has been validated. I even advised them that pursuant to 15 USC 1692 that communication outside of validating the debt would result in a {$1000.00} fine per violation.

However, Resurgent Capital Services has elected to ignore my request in violation of 15 USC 1692 and continues to send me emails in an attempt to collect a debt they have not validated. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they sent me emails. These are four ( 4 ) violations of 15 USC 1692 and I would like to receive the {$4000.00} they owe me for not following the law when they know better, especially without validating the debt.
Product: Credit card or prepaid card

My account was closed without notice last XX/XX/2021 ... They claim to have closed my account for identity concerns however to receive the two deposits I had on this account I had to verify both deposits and my identity before they allowed them to go through... And a third time just to activate the account ... After the second deposit a week or two after its when they closed my account with remaining balance of XXXX $ I've been trying ever since to get my money back they have requested a letter of indemnity in which I can't get because the depositor is no longer in business they even tried reaching out to depositor with no luck... So they told me the is no other option without that letter ... After calling over and over and being told so many different things that they will send me a check or go get s new card and call while I'm at merchant and they will transfer balance into new account none of which ever took place and was just a waste of time .... In order to talk to anyone it takes hours and hours of being on hold and hung up on many times .... Please help with this matter.. The company is net spend
Product: Debt collection

Resurgent/ LVnV FUNDING is a debt collector and is collecting the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The original creditor 's name and address. 
XXXX. The original account number associated with the debt. 
XXXX. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied. 
XXXX. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt. 
XXXX. Proof that your agency is licensed to collect debts in [ your state ]. 

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities. 

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. And they have not supplied the information and I do believe that if the information is no accurate and proper verification is not sufficient it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is fraudulent activity and unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting Transunion remove these hard inquiries immediately from my credit files.

Your immediate attention to this matter is appreciated. 
Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called Experian saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX account # 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 an account without my written instructions. 15 U.S. Code 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpos
e
Product: Credit reporting, credit repair services, or other personal consumer reports

I began my dispute process with on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to Experian, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to Experian dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. USPS tracking shows my document was delivered on XX/XX/2021. It has been over a month and I have yet to receive any response from Experian regarding the results of their investigation. Experian 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that XX/XX/XXXXshould have handled much sooner.
Product: Student loan

Discover student loans has been consistently harassing me and my co-signer about payment on a loan that they have been unable to provide proof that they own. I have asked for the original promissory note multiple times and have never received it. I would like to discontinue paying this loan until I see proof that it is owned by Discover. They continue to harass my co-signer and I about payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. 1 XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

XXXXXXXX XXXX XXXX XXXXXXXX was initially paid by my insurance company. 

On XX/XX/ I negotiated the remaining payment with XXXX from XXXX for a final " PAYMENT IN FULL '' on my account for {$360.00}. 

I have no debt with XXXX XXXXXXXX XXXX XXXX yet they keep harassing me and sending me to collections for a fraudulent debt as I do not owe them anything. 

Capio Partners is now harassing me via phone and mail with a fraudulent bill of {$150.00} which I DO NOT OWE. 

I have attached the cashed check which clearly states " FOR FINAL PAYMENT ON ACCOUNT # XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

Was charged on XX/XX/XXXX for an item I never ordered, initiated, or authorized in anyway for {$680.00} for visa card with Bank of America # ( XXXX XXXX XXXX XXXX ). The item ( phone in a 1lb. USPS envelope which allegedly was to arrive XX/XX/XXXX @ XXXX XXXX ) I was home that day never seen or accepted any package of sort. I called the Credit Card Company ( Bank of America Fraud Claim Dept. ) and received a letter XX/XX/XXXX saying " ... we consider your dispute resolved and no additional action on your part is required at this time ''. On XX/XX/XXXX I received another letter from BOA Fraud Claims Dept. stating that my address was verified and therefor I am responsible for the amount. Since, I made a police report ( # XXXX ) XXXX PD officer # XXXX, a postal inspector investigation case # XXXX and XXXX XXXX Identity/ Fraud Protection Security Freeze , Alert Investigation # XXXX. I have given all this information to Bank of America Fraud Dept. numerous times via fax, verbal contact, etc. but they are still giving me statement due amount ( s ) including the {$680.00} charge.
Product: Student loan

I am illiterate when it comes to finances. I took what loans were offered to me so that I could focus on my education and not have to work so many hours to stay afloat. After I graduated and was ill-prepared to enter the work-force, I found out my school was shut down. Unable to find a job in my field I kept pushing off paying my loans back because I could n't even come close to affording them. Every time I would call, the person on the phone would immediately offer me forbearance, and simply suggested that I look up my repayment options. This went on for years. Now, I actually applied for  IBR and se lected the box on the application for Navient to chose w hich IBR plan wou ld give me my lowest payment. After about a month and never hearing from them, I finally called and they told me my payment was {$260.00}, which is a hardship for me but I assumed it was the best that could be offered. When I went online to make my first payment at long last, I saw that I had missed it! There wer e two sets  of loans, each with a monthly payment of about {$250.00}, totalling about {$500.00}. When I called they told me that I had been put on the income-sensitive plan, but that my payment could be lower on another plan. And they offered me forbearance again while I figure it out. My loan balance has almost doubled since I graduated, and I have n't even been able to make a payment yet.
Product: Credit card or prepaid card

XXXX XXXX XXXX/Zales Was in mall one day trying to make payment on a ring I purchased from Zales with a Zales store credit card n prior to making my payment I tried talking to someone thought might like n was walked out by security guard n mall Manager n asked not to return or be trespassing n that's the only place Zales resides never hurt neone or stole from the store or any department I called Zales even sent my mom to mall to make payment on the phone 's they said they couldn't verify me like that n I. The mall same thing I'd have to come in for my account number which would be tres passing I was willing to pay both ways by phone n the store but was denied my payment n account number to use for payment for even online it's the only thing hurting my credit report n to beat it all prior to all this the account was almost paid in full then hit 150 days late past due due to what happened n it's the only negative item on my credit report but when finally got ahold of somebody willing to cooperate they got there money even down to the late charges/fees n I also got a XXXX credit card n it's on time n paid in full I disputed Zales with creditor n credit beaurus n nothing done
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ; Bal : {$640.00} - XXXX XXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX - ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - ( XXXX ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015
Product: Debt collection

I am writing to formally dispute the alleged debt of {$3500.00} that you claim I owe to your company. I have previously requested, in writing, that you cease all communication with me regarding this matter, yet I continue to receive harassing correspondence from you. 

I wish to clarify that I have never done business with Star Mark Financial, nor have I taken out any loans that would result in a balance owed. Your assertion that this debt is associated with a data breach from XXXXXXXX XXXX XXXX  is both alarming and unfounded, as I have not authorized any transactions or agreements with your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute this debt and request verification. I ask that you provide documentation that substantiates your claim, including the original creditor and any relevant account information. 

Please be advised that further attempts to collect on this disputed debt after my previous requests will be considered harassment. I expect your immediate compliance with my request to cease all contact until this matter is resolved. I also would like to add due to the data breach. All information that was collected solely was inaccurately collected, and accurately identified. So now Im seeking help. From the CFPB to make this matter right. 
Sincerely, XXXX XXXX XXXX