23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MARKONE FINANCIAL LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MARKONE FINANCIAL LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MARKONE FINANCIAL LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 i submitted a dispute letter asking to verify these alleged accounts and the credit bureaus failed to respond or investigate these accounts!
Product: Credit card or prepaid card

I applied for a new Visa Card From Comenity Capital Bank after going through the application process and all the security verification that i had to do since i have a fraud alert on my credit file the account was opened i was approved for a {$1000.00} dollar credit limit. 
I have multiple store credit cards with this card company insitution comenity capital bank never once have i ever been late not once has a payment ever been returned no once have i even ever tried to go over my credit limit never any issues in 2-3 years with this company they pulled my credit in XX/XX/2019 for the caesars rewards visa card and then aproved me after varification process i got the card activated it online set up payment accounts used the card to pay my auto insruance and a few other things then i made a payment as soon as those charges posted and then i was trying to use it at dinner the other evening and it was Closed i called in to find out why it was closed and they said because of information the credit beurue supplied them with they used an excuse like 5 times saying the credit beurie told them to and thats not possible because those beurues dont tell a bank hwat they cant and cant do then they explained it was info that came in the credit report and kept syaing I need to contact credit beure for this info. they would not tell me why they opened the account and then closed in just a few days after reopening it. 

I feel they in bad faith and bad business opened an account then closed it which now means I have more than just a 2 year inquiry on my credit file it means that they reported an opened account then they reported it closed so now its on my credit file for like 10 years i think because its a closed account they refuse to remove it or do anything to fix their bad faith bad business mistake. 
and all i want them to do is have the account removed from my credit file all together cause this is fraud i belive they fraudulently opened my account knowing they would close it to just play games and make it look good for them to have had a new customer but then not i don't know for sure but i do know that this was there mistake and i should not suffer for it
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, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX XXXX {$240.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Debt collection

no contract with company, fraud account {$370.00} XX/XX/23
Product: Credit reporting or other personal consumer reports

I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. XXXX it is same thing with XXXX that keeps ruining my credit record. It is full of XXXX. 

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!
Product: Debt collection

On XX/XX/2022, I received a letter from the company Radius Global Solutions, LLC, stating that I owe a debt in the amount of XXXX dollars from a company called XXXX XXXX. I filed a complaint with Radius Global Solutions in XX/XX/2022, stating to them that it is a fraud account and that I did not purchase anything nor applied for any credit and that someone applied for something in my name. I asked Radius Global Solutions to cease and desist all collection activities. I told Radius Global Solutions that the debt is not mines. Radius Global Solutions ignored my demands. I also asked Radius Global Solutions to have no contact with me and don't put the debt on my credit report. Radius Global Solutions sent me a letter on XX/XX/2022, I received a validation letter with just only a transaction history letter. So I decided to file a compliant.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was mistakenly charged {$50.00} for a missed appointment fee from XXXX XXXX. The appointment was cancelled in advance and I was charged the {$50.00} by mistake. This account was placed in collection and appeared on my Equifax and XXXX credit report. I paid the {$50.00} regardless of the mistake ( I cancelled the appointment in advance and should not have been charged anything ). I contacted XXXX to dispute the error and the account was immediately removed from my credit report. I then contacted Equifax to dispute the error and Equifax did not remove the collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to discuss an issue with a XXXX XXXX XXXX XXXX account that is reported inaccurately on my credit report. 

This particular account, despite having been charged off, continues to be reported as such on my credit report every month. Moreover, in some months, there is no data reported for this account at all. This inconsistent reporting further underscores the inaccuracy of the information being provided. 

As per the guidelines of the Fair Credit Reporting Act, all information presented on a credit report must be 100 % accurate. Given the ongoing inaccuracies and inconsistencies with this account 's reporting, it is clear that this standard is not being met. 

These inaccuracies are having a detrimental impact on my credit score, and I kindly request your assistance in rectifying this situation. I am seeking the removal of this charged-off account from my credit report, given the incorrect and inconsistent information being reported. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I had a credit card transaction with XXXX XXXX XXXX and paid {$25.00}. The form being notarized wasn't accepted and I had to do it again, meaning I had to pay again. As a result, on XX/XX/year>, I disputed the transaction with Citibank and requested that they issue me a credit due to the fact that the services was not as expected. The bank investigated the dispute and on XX/XX/year>, they sent me a letter in which they denied my dispute of the above mentioned transaction. I believe I'm entitled to the credit because the form I notarized with XXXX XXXX XXXX wasn't accepted by the other company requesting this form. Customers shouldn't pay for something of no value that is not accepted or honored by others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX, Experian and XXXX  XX/XX/XXXX, XX/XX/XXXX and Experian again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed Experian the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : Experian XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and PNC BANK by law had at least XXXX and not more than XXXX additional days to reinvestigate to determine whether the disputed item is inaccurate and record current status of claim and or delete the disputed item from consumer file. Since XX/XX/XXXX of XXXX  XXXX XXXX nor PNC BANK followed XXXX laws. XXXX XXXX and PNC BANK failed to use the minimum XXXX days or maximum XXXX days  to reinvestigate.
Product: Debt collection

My mother had XXXX and somehow because I was paying her bills they put the bill in my name. She had a XXXX and stopped watching TV and I can not get the installation documents from them or CBE who is arrogant and irrational. 

I tol d them this but they refuse to supply this. They sent me a list of charges after the acct was put in my name that proves nothjing. 

I want the imstallion receipt or want a decent settlement.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address an issue that has come to my attention regarding a fraudulent account on my credit report. Upon reviewing my file, I discovered an account listed that I did not open, authorize, or have any knowledge of. This account is a direct result of unauthorized use of my personal information, and I am taking immediate steps to ensure it is removed from my credit history. This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> and transferred some money from my XXXX checking account to my chime account and as soon as the transfer was complete chime said that my account was suspended because of suspicious activity however my XXXX account is in my name my time account is in my name and so I don't understand what the problem was they asked for my ID and bank statement and I've sent it multiple times and they have still refuse to give me my money back {$300.00}
Product: Credit reporting or other personal consumer reports

Im writing you in reference to the Credit reporting agencies have improperly used my credit report and is reporting accounts on my consumer credit report that I have asked them to remove. I know that you have sued Experian for the very same thing that they are currently violating on my credit report. This has caused so much damage to my credit report and needless to say their infraction is causing me and my children to be homeless. These companies are violating my rights according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  B. Please help. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX FL Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  number XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I've paid my first trial payment XX/XX/2019 for my mortgage modification though XXXX XXXX. There is a property foreclosure sale date set XX/XX/2019 and I'm in a mortgage modification. Wilson & Associates the foreclosure attorneys was contacted to cancel the property foreclosure sale date. They refuse to cancel property foreclosure sale date
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXX XXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 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.