23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XX/XX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )
Product: Debt collection

This complaint is against PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance. I have, as a consumer, requested for validation of my debt on these accounts : XXXX, XXXX and XXXX and so far my requests have not been answered.
Product: Debt collection

This company has been calling me about a debt that does not belong to me. I have no business or dealings with XXXX XXXX. I ignored the calls and eventually blocked their number. Today I received an email about an unauthorized, fraudulent E-Check drawn on my account from WESTHILL EXCHANGE LLC. I never gave them authorization to debt any of my account. I never received any formal written notification of the debt or before the transaction was attempted. I demand this transaction be canceled.
Product: Debt collection

I am writing to file a complaint against your company for violations of the Fair Debt Collection Practices Act and Privacy Act of 1974. Your company has violated the Fair Debt Collection Practices Act ( " FDCPA '' ) through actions such as intruding on my privacy, making contact without explicit consent, employing deceptive measures in debt collection attempts, employing offensive language in correspondence dated XX/XX/XXXX2024, asserting that I owe an alleged debt, and inaccurately implying that any transfer of debt interest could expose the consumer to practices prohibited by the Fair Debt Collection Practices Act. Furthermore, I allege that your company violated The Privacy Act of 1974 as amended 5 USC 552a by obtaining and disclosing my personal information without prior consent. 

Due to your company 's non-compliance with the Fair Debt Collection Practices Act, I am entitled to seek damages and other appropriate remedies. I hereby demand all copies of all documentation, notices, and communications relating to the account involving XXXX XXXX and Rickart Collection Systems, including the forward flow agreement and purchase agreement. It is imperative that your company undertakes a thorough investigation into this issue and furnish me with a detailed written response outlining your position, proposed remedial steps to address this situation, and settling the attached invoice to prevent legal actions. 

Should your company neglect to respond to this notice and settle the attached invoice within 15 days, I will be compelled to commence legal proceedings to uphold my rights under the law. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX continues to harass me with unsolicited calls regarding an account I DO NOT OWN with them. They allegedly verified the collection account but I am yet to be provided with a SIGNED AGREEMENT for them to collect anything or report to my credit. My rights are being violated and I will be contacting the State Attorney General if not deleted.

This is pursuant to 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681B 2.COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

To whom it may concern, My name is XXXX XXXX. Im requesting assistance with getting this account resolved. I have been trying to speak with someone however Ive been getting the round around. During the pandemic XX/XX/XXXX, I received a letter from XXXX XXXX offering me an opportunity to settle my account for less than the amount owed. The agreed amount was {$1200.00}. I paid that amount on my XXXX ending in XXXX. It was posted to my account as XXXX XXXX on XX/XX/XXXX I contacted XXXX XXXX and I spoke with Rep XXXX on Tuesday XX/XX/XXXX. I advised him that I wanted to settled the account based on the letter I received. It was understood and recorded, I even spoke my name and authorized the payment to be debited for the purpose of settlement. After the payment was taken from my account, I waited for a receipt in the mail along with the letter stating my account had been settled based on then information of the Customer Service representative. It never came. I disputed on my credit report and the only thing happened was the amount updated. None of my credit reports are accurate regarding XXXX, the payment and overall history is inaccurate. This account is affecting my livelihood. My employment is contingent on a clean credit file. I can NOT have this account reporting negatively or my employment is in jeopardy.
Product: Debt collection

Affirm keeps sending email XXXX or more times each day asking for a payment and they never address the fact of the proof of payment that I repeatedly send back. 

The proof of payment shows front and back of the check and the back of the check shows their endorsement stamp and deposit stamp.
Product: Debt collection

XXXX XXXX XXXX has an account listed on my credit report that is not mine. I am not liable for this debt. I have no signed contract or any contract with this company. I am not responsible for this debt owed. I asked the company to validate the debt, they sent me a bill with an address on it that has never been my address and isnt associated with me in any way. I was not notified that this debt would be placed on my credit report.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant XXXX XXXX. Experian is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Subject : Request to remove unauthorized credit inquiries. 
Inquiry Made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern , I am writing to dispute the following information in my file. I have recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by the company/companies listed below. To my knowledge, I have not signed any documents authorizing the company to make this many inquiries to my credit report. The listed inquiry was without authorization and is a very serious error in reporting. I am requesting your bureau to initiate an investigation and determine responsible parties in this authorized credit inquiry. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiries, signed on my behalf, so I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it may be removed immediately from my credit file. Please be so kind as to forward me the documentation that you have had the unauthorized inquiry removed. If you find I am in error, please send me proof. Finally, I am requesting an updated copy of my credit report. 

Your immediate attention to this matter is appreciated,
Product: Student loan

I was told my loans are on the direct to discharge list for the public service student loan forgiveness program on XX/XX/XXXX. My final payment was XX/XX/XXXX. Many other people on the same discharge date and later have had their loans forgiven already. I am still waiting. I spoke to Mohela several times and they say they are still processing it but many people who have a later date have already received forgiveness. They are not processing the forgiveness in a fair manner. I have been working in public service for 19 years and have been waiting for a long time for this. This is a huge burden on me and very stressful and is damaging to my mental health. I just want my forgiveness processed fairly and in a timely manner
Product: Debt collection

They sent a letter back in XXXX to my daughter who was just starting to work a real job. In XXXX they file a judgement but we never got our day in court. Next thing we knew they added me and sent a letter out via Sheriff 's Office of a wage execution to start immediately. Fast forward it's now XXXX and {$14000.00} has been paid between the two of us. There is a balance of {$2800.00} left but due to the penalties which includes poundage fees and interests we will never truly be free of this debt. 
The original amount borrowed was XXXX back in XXXX. The Statue of limitations was up in our State of New York and we were never  given a court date. We have discovered that XXXX XXXX XXXX XXXX XXXX XXXX has been sued by the Consumer Financial Protection Bureau for illegal Student Loan Debt Collection Lawsuits as well as Investigated by the New York State Attorney General 's office. We are seeking to vacate this judgment for improper service by their Attorneys Rubin & Rothman. LLC located in the State of New York at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
Telephone # XXXX.
Product: Credit card

I have had my capital one silver credit card for almost 2 years never had an issue with it. I then got the venture one credit card from them and for some reason on the app it kept setting up auto pay. I always make my payments I make multiple payments a month to my credit cards, but the venture one card kept taking auto pay from the wrong account. I corrected the issue multiple times on the app and it still did it three times I went and fix the correct account and tried deleting the auto pay and it still kept doing it on the app yesterday I made a payment to capital one for {$300.00} on my silver card and they took the payment every single time I make a payment on my silver card. The payment always clears. Theyre saying they decided to close my account because of history of return payments. I only had a return payment on the other card to venture one card and it was because of the auto pay malfunction and I tried to explain that to them other than that I am always making payments on time. Im always always making payments with my quicksilver card. I use it for everything and Im making multiple payments a week on that card because I use it for everything. I need these cards, reopened the customer service. They couldnt give me a straight answer on to why they closed it and they took the money out of my account for the payment I made yesterday and every time I called the customer service theyre not giving me a straight answer and Ive told them about the issue with the app on the phone and how it keeps pulling out of the wrong account and now the app keeps glitching. It makes no sense because I dont have that problem with the silver card the silver card anytime I submit a payment it submits correctly, and I have the auto pay turned off for a reason for some reason the venture one kept turning the auto pay back on, and I explain this to them and theyre still keeping my credit cards closed. Its not like I have missed a payment its not like I dont pay them. I always pay my credit card every month they get the money and now they just close my credit cards out of nowhere its going to affect my credit score is going to ruin my life and meanwhile Ive been trying for years to get my credit on track to get my life on track especially recovering from XXXX and all the struggles I went through and XXXX and losing my job. Im trying so hard to get on track and they just gon na close my credit cards for a stupid reason for an issue with their app and they dont even want to help me and they dont wan na give me a valid explanation.
Product: Credit reporting or other personal consumer reports

I have a couple accounts on my credit report that seem to belong to my father, we have the same name and i think he might of used my information without my knowledge
Product: Credit reporting or other personal consumer reports

XXXXDOFED XXXX XXXXXXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX/DOFED - XXXX U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE US DEPT ED - XXXX - U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE. 


INQUIRY - CXXXX XXXX XXXX XXXXXX/XX/XXXX - NOT MINE INQUIRY - XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY XXXX XXXX XXXX - XX/XX/XXXX INQUIRY XXXX XXXX XXXXXXXX XX/XX/XXXX INQUIRY - XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY - XXXX XXXX XXXX XX/XX/XXXX INQUIRY - XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried to contact Equifax..Equifax information services..LLC XXXX XXXX XXXX XXXX XXXX..about the credit cards and loans for jewelry ..and addresses..that are on my credit I haven't written a check in 13 years.. because of a hate crime harassment & retaliation case # XXXX haven't applied for any credit cards or loans in 13 yrs ..I gave up on check writing after XXXX branch manager continued to XXXX profiled stalk me by phone and person..My last address is in XXXX Washington ... in which I moved there in XXXXThe home school information is wrong ..I actually worked at XXXX XXXX XXXX XXXXIn which was one of the first XXXX XXXX XXXX XXXX in The XXXX Washington area..Owned By Prophet XXXX XXXX XXXX and His wife..who recently ran for congress as a united states senator..Former United States military ..who later gave me a Job as a XXXX..and also Working with XXXX with Famous Judge XXXX wife XXXX XXXX who owned one of the first XXXX american daycare..I have published more than XXXX XXXX ..and a XXXX yr author of a XXXX owned magazine XXXX XXXXThey dont have any of my jobs ..or recent business.they i never lived on XXXX XXXX in XXXX Washington thats wrong..I haven't lived in XXXX can't Washington for almost 14 yrs Now. XXXX XXXX XXXXThe loans are identity theft because I don't own no credit cards at all .nothing never have .I haven't applied for any credit for anything.after second hate crimes case threatening me not to ..and that several XXXX American people are on a none XXXX policy to not receive credit..across several computers because of XXXX covenants on them..
Product: Credit reporting or other personal consumer reports

Have previously tried to resolve issue with USAA, to no avail. I am still being charged for closed accounts. Information is conflicting and inaccurate, I have two closed accounts that have conflicting dates and amounts. I have read USAA 's response, which further confuses me when looking at my credit report. None of the information coincides with the Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I received simultaneous emails of credit card accounts being opened under my personal information with XXXXXXXX XXXX  and Capital One. I do not have any accounts with these companies. Called both banks to submit a fraud alert and cancelled both accounts. Also called XXXX and XXXX to put a freeze on my credit. Tried contacting XXXX and creating an account online but automation would not allow me to speak to a specialist. It directed me to the website which caused an error when I went to create an account and put a freeze on my credit. Was not able to freeze credit on their website. Tried calling several times. Took a screenshot for reference.

Additionally, credit report is showing credit card transactions already one day later.
Product: Credit card or prepaid card

Wells Fargo closed my credit card ( account ending XXXX ), stating no activity in 12 months. This is untrue, in XXXX I made a payment bringing the account to a {$0.00} balance. They closed the account without notice, and refused to open the account - wanting me to reapply for a NEW CARD. This is fraudulent and deceptive behavior. They knowingly closed an account that would have an adverse affect on my credit score ( less available credit ), for a reason or policy that I had not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with Regional Acceptance Corporation is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that Regional Acceptance send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Product: Debt collection

Account has been paid in full. Optimum Outcomes forwarded my file to a law firm- XXXX , XXXX XXXX XXXX . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fait Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USMC 1681. I was federally incarcerated XXXX XXXX till the present time. 



XXXX XXXX XXXX, Account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 US.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 7 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 the information is inaccurate.
Product: Checking or savings account

Several fraudulent charges were made on my checking account by unknown people at local area stores. A person using XXXX contacted me to tell me that I was elIgible for a grant and stated that all I needed to do to receive the funds was to give them my XXXX XXXX PIN. My XXXX XXXX pin was then used to access my checking account for unauthorized charges. I reported this to my bank at CHASE and they closed the but never acknowledged the fraudulent charges. 

XXXX XXXX transaction for {$100.00} on XX/XX/2022 XXXX XXXX  transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$270.00} on XX/XX/2022 XXXX XXXX transaction for {$120.00} on XX/XX/2022 XXXX XXXX transaction for {$170.00} on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

had called to turn my vehicle in XXXX they got it and are still reporting on my credit that my account is open and I've missed every single payment just wrong shoot they already wrong with their misleading advertising and tactics but that's for another day