23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi Caine Weiner COMPANY ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. Again, I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 redress ( 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 redres for these violations.
Product: Checking or savings account

Hello my regions Account over drafted and they charged me a total of XXXX dollars in overdraft fees. This is way too expensive and hard for me to pay off after talking with them they were able to lower it by {$90.00} dollars but this is very expensive for me.
Product: Credit reporting or other personal consumer reports

According to the state where I reside I do not have any debts attached to my name or any outstanding liens. My name is also copyright and this company does not have permission to act on behalf of myself.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$790.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : Experian, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are.

I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable.

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2. 
I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both XXXX and Experian credit services.
Product: Debt collection

Receive calls GLA Collection Company. It is for a party not living here. Latest tactic is to block us from hanging up. We have been getting the call daily. 

We are prepared to file aggravated harassment charge if appropriate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX mislead me to believe that I needed to help out XXXX XXXX, a friend that worked there, to secure a better rate on an auto. I went to the dealership and signed paperwork but was never shown the loan rate, mileage, cost of the add ons and the total price that I was financing. I trusted my friend and her boss XXXX XXXX. After signing paperwork on XX/XX/XXXX, I was not given copies. I called the dealership on Monday, XX/XX/XXXX to cancel the deal and they said they would try but I would lose my {$2000.00} down payment. On Wednesday, I went by dealership to check on progress and they wanted another {$750.00} to cancel the deal. At that time, I asked for copies of the paperwork and was given page 1 of the Retail Installment Contract. I have still not been given pages 2-5. I was also given the Bill of Sale. I also noticed that paperwork was dated XX/XX/XXXX and I signed XX/XX/XXXX. XXXX showed rate of 27.72 % with my XXXX credit score. The whole reason I went down there was to secure a better rate for my friend. Today, I will call the finance company Credit Acceptance and see if they will decline the loan because of the deceit and trickery used. I did not take possession of car and the dealership does not have trade in. Credit Acceptance said loan had not been processed. I asked rep to block loan but she was unable. I was going to pursue through usuary channels but found out the retail installment loan does not have same caps as usury laws in Florida. XXXX XXXX XXXX XXXX also told me they were purchasing car on Saturday evening through an auction site so it would have been impossible to know how much car was going to cost to input the figures into the contract. Basically after down payment and trade in the car should have been {$2500.00} but then the {$6400.00} of gap insurance and warranty increased sales price of car to {$8900.00} on bill of sale. The car was not {$8900.00}. The car was only {$5700.00}. So I am getting charged interest on all of the warranty and gap protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, Experian and XXXX are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage being reported from 2005 on my credit from multiple lending companies. XXXX is from XXXX XXXX XXXX, and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.
Product: Checking or savings account

I received 2 letters from Huntington Bank on XXXX stating I opened 2 Huntington 5 Interest checking accounts online on XXXX. The letter has my maiden name being used and not my married name. I called Huntington on XXXX at XXXX and placed a fraud alert on those accounts. The representative stated they can be opened online with no ID. She instructed me to contact FTC and file a police report. There were checks and a debit card ordered on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.C Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S .C 1681 Section 602 A States I Have the right to Privacy 15 U.S.C 1618 Section 604 A Section 2 it also states a Consumer reporting Agency can not furnish a account without my written instructions
Product: Credit card

On XXXX XXXX XXXX I made an online purchase from Kohl 's Department Store and used my Kohl 's credit card for payment in the amount of {$19.00}. The order was delivered to my local Kohl 's store and I was notified for pickup. Circumstances prevented me from making this pickup in the allotted amount of time and the pickup expired so I never received my order. When I read my statement I in XXXX, I realized that the charge was never credited and immediately called Kohl 's Charge dept. I was told the credit would show on my next statement. It did not. After numerous calls I was told that a dispute would be sent to the creditor and I received a letter from Capital One requesting documentation so I uploaded all the statements involved the next day to the site provided. My last statement shows the {$19.00} credited on XXXX XXXX, 2024 but on XX/XX/XXXX I received a letter from Capital One saying I addressed the charge too late and they reapplied the charge, which is now showing on my statement. I called Capital One again on XX/XX/year> and was told again, the dispute was too late and they would not reverse the charge. I do believe Capital One recently took over Kohl 's credit as I recently received a new card with the Capital One Visa logo to replace my original Kohl 's. I did not receive the item but was charged for it.
Product: Debt collection

As of XX/XX/year> Portfolio Recovery has XXXX charged off accounts that appear on my report. After reaching out numerous times for the original purchase agreement to validate the debt and the company refuses my request. Also, I reached out to dispute but the company refuses to provide accurate information regarding the debt to the credit bureaus.The amounts are XXXX, XXXX, and XXXX. However, these accounts should be removed because they are falsely reporting the debt on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a recent data breach that puts myself and over 143 millions of other consumers at potential risk. I am also extremely disappointed with how Equifax has handled reporting after this breach. Very little has been done to notify the public for nearly a month after the breach was detected. I received no phone calls, e-mail or mail communications from Equifax and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are showing as open, the account is charged off. 

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

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

On XXXX XXXX, I call Navient customer service. I had noticed that 2 variable rate loans ( Parent plus loans ) had recently increased from 4.2 percent ( approximately ) to 8.56.per cent. I asked customer service whether Navient had a legal obligation to inform me of the rate change. One customer service representative replied " Yes '' ; she was unable to locate any notification of the rate change sent to me. 

Secondly, having had the first telephone conversation disconnected by Navient, I called back the same day and asked what the calculation was to determine the varoiable interest rate. 
Customer service informed me that they could not/ would not give me calculation used to determine the adjusted rate. 
The two loans in question go back to XXXX. As of XXXX, the rate on the variable rate loans was approximately 4.2 %. 
Supposedly, Congress sets the interest rate on these loans ; I asked for documentation of the history of these loans going back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB to get validation for XXXXXXXX XXXX. The company stated that they were unable to validate my account. see attachment
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed some unauthorize inquiries on my consumer report. Please see the list below of the unauthorize inquiries. 

. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to resolve an problem with Experian credit bureau and said that they could't resolve my issue in regards to Section 611a 3a, saying that they were unable to honor my request. I have tried a number of times to resolve this issue to no prevail. I have attached a letter from XXXX stating that they have removed the information and that i should inform the credit Agencies as well, which I have done. XXXX has removed the information but XXXX and experian has been giving my a problem. XXXX XXXX is still over on the case as ofXX/XX/XXXX. As recently put in my last complaint 15 U.S.C. states that a consumer reporting agency can't file anything on a credit report with out my written consent.They are volating my rights and it's not Right and I want stop fighting until they removed this information!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a letter to the credit bureau around XX/XX/30 and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX  ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit report
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on mu report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with SOUTHWEST CREDIT SYSTEMS. I do not have a contract with SOUTHWEST CREDIT SYSTEM. They did not provide me with the original contract as requested.
Product: Money transfers

On my birthday i received money to buy a playstation. When looking for a seller i came across a guy who was selling one for XXXX . I sent him money and i waited a week for shipping and then he told me that the money transaction was messed up but it was n't i was confused for a while. Then one day he told me that i was dumb and he already spent my money.