23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I keep getting denied credit due to a bankruptcy that never happened, I asked everyone to remove but seems to stay, the bankruptcy was never completed and was cleared by a judge. They started to take payments from my checks for a chapter XXXX in XX/XX/XXXX, but I got sick from military injuries in XX/XX/XXXX and lost job and could no longer pay, so it was cancelled until I resubmitted, the Veterans administration owed me money so I have never refilled the bankruptcy, just ca n't pay do to injuries. So when I get paid from Government I will pay back creditors, or fill again completely, again I have paperwork showing judge cancelled and it is public record, but keep getting it on credit. Needs to come off as it has cost a XXXX veteran even more money by being slandered by credit companies. If they can find where i seek to file, they can find where it was cancelled. I would like to be paid damages from the situation as it has cost me many problems, and it is my right to receive damages if false information is entered and not corrected. If I filed and it was legal I could understand, but if they do n't take it off I will make sure it is reopened and make sure everything is included and all those people will loose money because the credit reporting companies do n't research thoroughly to find correct information, about {$50000.00} dollars, I think the companies would appreciate correct work. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : XXXX  Transunion XXXX  XX/XX/XXXX letter : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card

The automatic system for automatic payment was set up for the payment to be made on the XXXX of every month. All the other credit card companies will attempt to withdraw the payment from the checking account on the day that the customer stipulates, in my case it was the XXXX of every month. 

Citibank system attempted to withdraw the payment of {$17000.00} on the XXXX instead of the XXXX putting my checking account to overdraft, the funds were not available. This is outrageous. If I specify the date that I want make the payment thats the date it should happen. It should not happen a day before the payment date. I was charged a return check fee. Citibank should be ashamed of this fraudulent attempt to extort from customers in order to earn more interest on their money. Automatic payments are designed to make life less stress. to know exactly when the payment will be withdrawn not to cause stress. Shame on you Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX 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

The following positive information is missing from my Equifax credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX
Product: Credit card

I signed up for a US Bank Business Altitude Connect Credit Card in XX/XX/XXXX. I signed up with a promotion that if I spend {$6000.00} in 180 days of account opening I will receive a bonus XXXX points. I completed the requirements by XX/XX/XXXX. I did not receive the bonus points. I called in shortly after my statement closed, I was told that completed the requirements and I should receive it, and it should be on the next statement. The next statement came and I still didn't receive it. I called in XX/XX/XXXX I spoke to a representative ( XXXX ) she told me I should have received it already. She went ahead and wrote a letter to the rewards department to ask that I should be given the bonus points, she told me it should take a week. Its been a week and I still have not received it. This is a very frustrating experience.
Product: Debt collection

On XX/XX/XXXX received a copy for a judgement through mail. Was never served properly for the summons. Called the company made payment arrangements took the payment and told by the representative I did not have to go to court as that would be not going through since set up arrangement even made payment before court. On Friday XX/XX/XXXX received notification from court on full amount saying I have a judgment even though already paid and have auto payments being taken out. I was guaranteed no court and no judgement since able to settle prior to moving forward. They are not honest and even tried calling my job to scare me into paying as though theyd let my job know.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies keep adding that my account with XXXX is in XXXX XXXX bankruptcy and it is not. I have not filed XXXX XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.
Product: Debt collection

Dear Sir or Madam : I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : Your XXXX XXXX & XXXX XXXX XXXX According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. XXXX  {$1600.00} et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up. 
Under the terms of the Section 168 li of the Act, you have XXXX days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. 
Also, pursuant to 15 U.S.C. Section 1681d of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification. 
Sincerely. 
XXXX XXXX
Product: Consumer Loan

i got a auto tital loan to buy a new transmission for my truck. i paid WCC blindly on the for over 14 months ..thinking it was also going to help my credit as they told me it would..but i found out they only gave me {$300.00} credit toward the principle ... after over a year of paying {$200.00} per-month. i tried to get mediation with the consumer affairs office in XXXX XXXX with XXXX XXXX, at XXXX. Her e-mail is : XXXXXXXXXXXX. 
XXXX XXXX, Mediator Department of Consumer and Business Affairs ( XXXX ) XXXXXXXXXXXX had a conversation with the manager at WCC : XXXX XXXXWCC Servicing Supervisor, Wiltshire Consumer Credit Fax : XXXXXXXXEmail : XXXXXXXXXXXX said he would write a new contract and i suggested XXXX payments of XXXX each and im out of the contract.. he agreed and never sent the agreement as he said he would in XXXX hrs. 
today 's date is XXXX XXXX he has not sent any file or contact. i have emailed, called and called the XXXX women down town with Department of Consumer and Business Affairs ... no one has responded. for the last 2.5 weeks the collection natzies of WCC have been calling me XXXX times per day-harassing me to pay-being very rude to me-hanging up on me XXXX times-over talking to me ... telling m to pay and threatening me- the supervisor has not called, emailed or sent a new contract- i went to the web page and its down ... not working .... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- issues -- -- -- -- -- -- -- -- -i feel stressedi cant sleepI 'm extremely frustratedi caught a guy looking at my truck in front of my house i think he was trying to repo my truckall my tools and my job needs my truck I 'm am a handyman .. 
-
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

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, at 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: Debt collection

I discontinued my XXXX XXXX XXXX in XXXX XXXX and closed out my account in-person the same day I cancelled. They stated that I did not owe any additional fees and I have never received notice otherwise. That is until Radius Global Solutions reached out today, Friday, XX/XX/XXXX, stating that I owed XXXX XXXX {$30.00}. I contacted XXXX XXXX and they were unaware of what I speaking about as I have no linked account with their company. I tried speaking with Radius Global Solutions, but am unable to clear the owed amount without verification from XXXX XXXX. They will not communicate with each other and I am not going to pay the {$30.00}, as I do not owe this money, but do not want this to reflect poorly on my credit. Hopefully this can get cleared up soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living, human being, I have rights under 15 USC 1681. 
XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the account listed below be removed, because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

1. XXXX XXXX XXXX ( XXXX ) for XXXX XXXX. I have been fighting this debt forever, as it is not even mine. 

I was a victim of XXXX Data Breach in 2017 and believe accounts were opened in my name. These need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. XXXX is reporting to both XXXX  and Equifax that the account Condition as Derogatory. This is not correct. XXXX  was paid-in-full {$28000.00} and the account condition is PAID. 3. XXXX  is reporting to both XXXX   and Equifax the account Status as in a Payment Plan. This is not  correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX  Bankruptcy. XXXX  must only report the current condition of the account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX, VA XXXX ( XXXX ) XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g et seq. 
Dear PORTFOLIO RECOV ASSOC, I am responding to your call regarding an alleged debt referenced as XXXX. This letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept this alleged debt, and I require the following verification before any further communication : 1. Proof of Debt Ownership & Assignment Under 15 U.S.C. 1692g ( b ) and established case law such as XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), you are required to provide evidence of the legitimacy of this alleged debt. Specifically : A copy of the original signed contract or agreement establishing the debt. 
Documentation proving the chain of assignment from the original creditor to your company, including all assignments and purchase agreements per XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
An itemized statement of the amount claimed, including principal, interest, fees, and charges, as required by Fields v. XXXX XXXX Firm, P.C., XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
2. Proof of Permissible Purpose under FCRA If you have obtained my consumer report, please provide documentation demonstrating permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Case law such as Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) requires that a collector must have a legally valid reason to access a consumers credit file. 
3. Cease Collection Until Verification is Provided Until you provide proper validation, any further attempts to collect or report this alleged debt may constitute violations of 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ). Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all further communication regarding this matter unless you provide the requested validation.

4. Potential Violations & Legal Action Failure to provide the requested information may result in legal action under 15 U.S.C. 1692k, which provides for damages for noncompliance. Courts have consistently ruled against debt collectors who fail to comply, as seen in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
Please note that this letter serves as formal notice that I dispute this alleged debt in its entirety. If you can not provide proper validation, you are required to remove any negative reporting related to this account from my credit reports per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I expect your response within 30 days of receipt of this letter. Failure to comply will be interpreted as a waiver of your claim. Please send all documentation to my address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Equifax a letter disputing several items that was reporting on my credit report that was in correct and asked that Equifax to verify that the information being reported was correct and they did not do so. I had asked that they provide me documentation of my signature that I authorized the inquiries on my credit report as well as bankruptcies petitions from the bankruptcies court and they did not do so. Equifax instead sent me a report backXX/XX/2019 stating that the inquiries and the bankruptcies were factual information and stated that the information came from XXXX XXXX which couldn't have because my records with XXXX XXXX are suppressed and frozen which have been since XX/XX/2019. I  am asking they provide me with what I have asked for or remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Bank account or service

I had made arrangement with bank of America to take the XXXX out of my account for over draft fees and to close my account out. when I got paid on XXXX/XXXX/16 I noticed that my whole paycheck is taken from the bank. I also contact my HR department on my job to let them know not put money into my account. so they decided to put money into my account after I told them that it was close due to fraud. when I got paid that 's when bank took my whole check and not the XXXX. I also called them before XXXX and after XXXX explaining what they was suppose to be doing and they kept getting me run round about my pay check.
Product: Debt collection

I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX Police report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from XXXX XXXX XXXX for a debt that was not mine from Capital One ( identity theft account ).
Product: Credit reporting or other personal consumer reports

Hi, I recently got a copy of my credit report and noticed a bunch of addresses that Ive never lived in that were not mine. Please remove these addresses that I do not know of. I should have only XXXX address on my credit report and that is XXXX XXXX XXXX XXXX, TX XXXX. I have attached a photocopy of my driver 's license and phone bill. Please delete these addresses immediately. 


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

I filed a CFPB complaint against Equifax for adding a consumer statement my credit report without my consent. On XX/XX/18 Equifax acknowledged to CFPB that they deleted the consumer statement. I checked my credit report and Equifax did infact delete the consumer statement. Today XX/XX/18 I paid for my personal credit report and noticed that Equifax added the same consumer statement back to my credit report after they acknowledged that they had deleted it. I am fed up with Equifax lying to me and CFPB. I want the CFPB to know that Equifax has done anything but be truthful, they keep adding previous disputed information back to my consumer file. I will show proof for my credit report XXXX that the consumer statement was deleted and my credit report for XXXX that it was re-added.
Product: Debt collection

Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid to view all three of my credit reports and found a lot of hard inquires that are fraud and I don't recognize on my TransUnion report. Please validate all the hard inquires and delete the ones that are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 - U.S. Code Title 15. Commerce and Trade 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence. 

I would like the XXXX XXXX account removed from my credit from XXXX XXXX report because it is false and in violation of the law.