23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was recently alert by XXXX  and XXXX  about RMP Services LLC flagging my credit files with an collection account XXXXX {$210.00}. I instantly disputed the fraudulent account with XXXX  and the account was removed. This account is not mine. RMP Services LLC is effecting my credit rating by reporting this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I disputed more than several accounts via mail with XXXX. At the time of dispute several were removed without resistance leaving me with one collection account on credit report. Collection account XXXX of {$1400.00} was claimed to be verified through investigation as being my debt within same month of XXXX. I returned reply asking how did they verify account an for investigation reports verifying it was I. XXXX  in turn replied I must send a address verification with documents verifying my identity because I wrote them from a different address because I initially wrote them from a XXXX XXXX in which I was discharged on XX/XX/2021. But I followed instructions to theyre reply an sent documents. When I followed up in reference to them receiving documents theyre claim was they never received the documents an I can not have access to investigative reports or anything that verify the account as being mine and the collection will not be removed. This has been a back an forth for months now. Today XX/XX/2021 I wrote a hand written letter an sent it certified with return receipt to collection agency ARS Account Resolution of XXXX Fl  for account XXXX. Ive asked them as I did XXXX to send investigative documents verifying the account is mine or remove it in the allotted time if they can not. Now Im filing a report with ConsumerFinance.Gov. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection in the amount of {$2300.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) I have XXXX  XXXX and was not able to continue to live in the apartment I was renting due to a neighbor smoking XXXX. The smoke was permeating my apartment and it was intolerable. A legal substance or not, I rented the apartment because it was no smoking. If the neighbor in question was smoking cigarettes I would still have had the same issue. I can not tolerate smoke and/or smell of any kind due to my XXXX XXXX  reactions. I have attached a copy of a letter from my Physician verifying the physical reactions I have due to toxic smoke in or near my immediate person. I sent a letter to XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX outlining my concerns and the health issues I suffered due to XXXX XXXX unwillingness to let me out of my lease and forcing me to stay in the apartment. XXXX had a responsibility to provide me with a safe and healthy place to live and they failed. We could have come to some resolve if the management would have been willing to discuss the situation with me however, they never responded to any of my letters and/or phone calls. I had not choice but to vacate the premises. My health was the most important issue and I received no support from the apartment complex. Consequently, this collection was sent in error by the apartment complex and this false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

Capital One has failed to deposit direct deposit from my employer and other incoming deposits. They have cited technical issues as sent out via email after failure to do so within the allotted 48 hours they are given which may violate Electronic Funds Transfer Act ( EFTA ). This situation is raising many concerns about consumer protection and would to request assistance in investigating, ensuring compliance and accountability on their part as well as to promptly receive the amount owed to me. Thank you.
Product: Debt collection

Over five years after cancelling my XXXX cell phone account in 2013, due to a permanent move to another state, a collection appeared on my credit report stating I owe XXXX over {$2700.00}. At no time did I receive regular billing statements or notice of any account activity. 

I called XXXX and they confirmed that I owed that amount but could not provide any details as to what the charges were for or exactly when accrued. They were at a loss as to how or why the account would have been allowed to grow to that amount without some kind of action on their side. 

My account was paid in full when cancelled. Either this charge is fraud by a third party, fraudulent business practices by XXXX, or the failure of XXXX to properly close out my account. In any case, the charge is incorrect and I demand this debt be deleted and the collection removed from my credit reports. If not done so, legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Loans Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Consumer Loan

This may be hard to follow at first glance. I have my auto loan through US Bank. I was double charged in XXXX 2016. I immediately called US Bank and asked what they were going to do to fix it. The guy said I need to go to my bank and do a stop payment on one of the charges. I did this and stopped one and allowed the other that was supposed to go through, to go through. It went through, but a few days later US Bank reimbursed me. I did not need to be reimbursed since I already stopped the bad payment. I called back a few days later explaining this to customer service, and the guy said to me that I am all up to date and everything looks good on their end and that I should n't make another payment. So, I did n't. Now all of a sudden in XX/XX/XXXX I start getting calls that I 've been dinged for late fees since XX/XX/XXXX. What happened was, they charged me twice, I stopped one, and then they reimbursed me for the other by mistake. Then when I explained this to them they did n't allow me to make a payment correcting it, because it had n't shown up in their system yet. So, I do owe a XX/XX/XXXX payment now because of their mistake. However, I should not be responsible for the late fees they have charged, because I HAVE N'T BEEN LATE! It was their mistake. I am on autopay, so when the XX/XX/XXXX payment rolled around it kicked it back to XX/XX/XXXX, then XX/XX/XXXX back to XX/XX/XXXX and so on. I have talked with countless people in their company and none of them ever get this problem fixed. The last person I talked to told me he saw in his notes where all of this happened and that the late fees will be taken away. Last Wednesday XXXX XXXX I told him I would make an extra payment to make up for XX/XX/XXXX and then on XXXX XXXX my autopay should be back on track, but I will not pay any late fees. He said this would be the best thing to do and that it should fix the problem and I wo n't have any late fees accessed. However, I checked my bank account this morning and only one payment came out instead of both, and this payment had {$59.00} in late fees. I ca n't tell you how many hours I 've been on the phone or how many people in this company I have dealt with but it 's ridiculous. I even sent in my bank records to their dispute department showing that I paid on time in XX/XX/XXXX and they only called back once while I was at work, left a voicemail that showed they clearly did n't understand this isssue, and did n't even leave a call back number. Please help me resolve this issue with this terrible company! If this continues much longer, it will come to the point that their system will show me over 30 days and will report me to the credit agency and I have never been late! If my credit score gets dinged for their mistake I will be contacting a lawyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed Discover Card a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated by Discover Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report.

Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Equifax continues to report XXXX  XXXX  XXXX  on my report after it has been reported to the company and Equifax that this is fraud. The appropriate information was submitted to XXXX  recovery services at their request.
Product: Debt collection

In XX/XX/2019, I contacted Wakefield & Associates regarding a notice of a debt placed with them for collection from XXXX XXXX. I requested validation of the debt and a detailed bill. I never received this documentation. I was served with an order to appear in court for this debt. In XX/XX/2019, I again called to ask for validation of the debt as well as asking for the call to be pulled in XXXX to confirm that I requested validation of the debt. The representative informed me she would submit the request and I would receive a call within 24-48 business hours. I never received any contact. I went to court and asked for validation of the debt and the attorney rescheduled the date. I finally received the documentation however if I requested the validation in XXXX, it is my understanding I should have receive this within 30 days for the debt to be valid and owed. I contacted this company again today to which I received the response that they do no have to call me back, they do not have to tell me if I did request validation of the debt in XXXX, they do not represent me so they do not have to assist me in any way.
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, 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 address for these violations.
Product: Other financial service

I received a call from  XXXX   XXXX  of Premier Student Loan Center explaining that his company could reduce my student loan debt through debt consolidation. I explained that I had never qualified for a program like this as I and my husband make too much money.  XXXX  went on to explain that because it was my loan and not my husband 's loan we would not be including my husband 's income in the qualifying process. I found this to be suspicious, however I went along with it anyway as my loan debt is high. After a few days I spoke to  XXXX  who is the company that is taking care of my student loan debt and I have had a payment agreement with them since  XX/XX/XXXX . A rep from their office said the combined income should always be taken into consideration when qualifying for any program such as theirs or the one that  XXXX  was attempting to qualify me for. Otherwise, I would need to file my tax return separately for my husband 's which I would never consider doing.  XXXX   XXXX  submitted a repayment plan to  XXXX  that was noted as a Suspicious Application as it states that my husband and I do not file taxes jointly and that my husband 's tax information is unavailable. This is false. We file jointly and my husbands tax information is always available to me. He is   XXXX    and I have access to his  XXXX ,  XXXX  and all other pertinent tax information. When I told  XXXX  that I was withdrawing from the " program '' he set up for me after I was approved, he said no further payments would be taken from my checking account, however I would not be refunded the {$290.00} that was taken out on  XX/XX/XXXX  as this was for processing fees and did not even go towards paying the loan. I informed him that I would demand my money back due to the fact that it was owed to me. These programs can be misleading.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : * What the money you say I owe is for; * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say Iowe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor. 
* Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : California * Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

**Attachments showing that this account has been deleted from the other credit reporting agencies. **
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 
XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXtransunionXXXX  XX/XX/XXXX XXXX XXXX XXXXtransunion/XXXX  XX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX CA -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XX/XX/XXXXXXXX XXXX XXXX  -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX XX/XX/XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXtransunion/XXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX XX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXtransunionXXXX  XX/XX/XXXX XXXX -transunionXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -transunionXXXX XX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXXN -transunionXXXX XX/XX/XXXX XXXXXXXX XXXX  -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX  XX/XX/XXXX XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX XXXX -transunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX XXXX XXXX XXXX XXXX XXXX XXXXtransunion/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX 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