23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to bring to your attention the violation of my consumer rights by XXXX and XXXX. It has come to my attention that the credit bureaus has placed a collection on my consumer report without providing the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Furthermore, I have not been given the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( G ). This lack of due process denies me the chance to address any inaccuracies or discrepancies in the reported collection. 

I am deeply concerned that the collection agency is violating my consumer rights by using false, misleading, and deceptive means. Such practices are not only unethical but also illegal under consumer protection laws. 

It is imperative to note that the collection agency has no authority to furnish any account to a consumer reporting agency without providing all the necessary disclosures required by law. This act is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I urge XXXX and XXXX to rectify this matter immediately by removing the collection from my consumer report and ensuring compliance with all relevant consumer protection laws. I expect a prompt and appropriate response to this matter within a reasonable timeframe. 

Thank you for your attention to this serious issue. I trust that XXXX and XXXX will take swift action to address these violations and restore my consumer rights. 

Sincerely, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for any debts with these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent in several notice of trespass and notice of intent certified and registered mail. To these companies and have reported them to the XXXX  with no resolve. They are in violation of RICO 42 USC 408 and 15 USC 1681 I have the right to privacy and I do not have any contracts with these corporations in wet ink signature.
Product: Credit card or prepaid card

City bank Costco Visa card is charging me a late fee and interest that I dont know why. How can people be on time paying when they receive the statement late. I paid my bill entirely last month after I received it which was already late. This month I got it a week before the due date. City bank has made it a money maker out of this which is well documented on line. I called them, tXXXX XXXX XXXX XXXX XXXX you got a late fee refunded last year. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Commenity  bank  keeps calling me from different numbers reporting a card I never received in the mail. I was supposed to receive it last year on XX/XX/XXXX and they never sent it to the correct location.
Product: Credit reporting 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Scottrade continues to report fraudulent information to my tax file using information that is knowingly false and admittedly in dispute. Throughout complaint forums and other media, customers continue to have problems with Scottrade reporting false information to the IRS and refusing to correct it. I am suffering some the same failure and as a result have suffered significant damages. I kindly request Scottrade remove the information submitted to the IRS in accordance with my previously submitted letters.
Product: Credit card or prepaid card

Capital One XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Regarding XXXX XXXX XXXX We attended a seminar on XXXX XX/XX/XXXX regarding a travel plan my wife and I purchased that involved a total cost of {$4800.00} plus renewal fee of {$140.00} per year. We were told that this consisted of 2 weeks per year plus 2 week intervals per year. We were given a tour of condos and were told that the membership we purchased would provide us with the same amenities similar to the CONDOS we toured at a reduced rate. The CONDOS we toured had a Jacuzzi, full kitchen, washer and dryer, a bedroom and bath and separate living area. 

We first used our membership on XXXX XX/XX/XXXX through XXXX XX/XX/XXXX in XXXX, XXXX and were placed in a small area without any of the amenities listed above. We were very appalled by the accommodations in which they placed us. We were charged {$380.00} which included a {$99.00} cancellation waiver for 3 nights. We could have stayed anywhere in XXXX for a similar price minus the cancellation waiver. We complained to the front desk and were then put in a CONDO similar to the one we had toured. 

We attended a meeting with XXXX on XXXX XX/XX/XXXX. It was explained to us that we were placed in the small room because we were mistakenly placed on plan B instead of plan A. We asked what it would take to correct the error. They told us it would be approximately an additional {$3700.00} for us to get on plan A. We told them no, we were already out {$3600.00} due to their misrepresentation of the property. No one explained to us until the XXXX XXXX meeting that there was a difference between plan A and plan B. 

The room we were given was not the CONDO we were told and shown that we would receive with our travel plan. We have lost about {$3300.00} due to their fraudulent misrepresentation and desire to cut further losses. 

Sincerely, XXXX XXXX We discussed the matter multiple times including but not limited to employee XXXX XXXX # XXXX and XXXX XXXX XXXX. They refused to provide last names. We we not provided the Condos we were told would be provided at the discounted rate in our membership. CapitalOne employees refused to defend us on services not rendered.
Product: Credit reporting or other personal consumer reports

I want late payments to be removed from my mortgage provider from XXXXXXXX XXXX XXXX. I was on a forbearance modification at that time and payments were stopped. And it show I have late payments all those months. And another thing. I did have XXXX missed payment in XXXXXXXX XXXX XXXX and my credit scored dropped XXXX points. How is that possible? I have never had such a dramatic drop in points like that from just XXXX late mortgage payment.
Product: Checking or savings account

XXXX, XXXX, XXXX ... XXXX XX/XX/2020 USAA took {$1300.00} from my Checking Account. I had deposited it in XXXX. XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX XXXX, CA says he does not have a stop payment or a deposit returned to his client, my former boss, XXXX XXXX  If this is true where did my Money go? USAA has not told me where the money went jut that it i gone which was my initial complaint of not providing my electronic deposit with FDIC protection. Where did my {$1300.00} go? To XXXX XXXX maybe?
Product: Debt collection

A debt collection appeared on my credit report on XX/XX/2018 for an amount of {$130.00} dollars from XXXX XXXX XXXX. The original creditor appears to be XXXX XXXX. However, I have never been contacted about this debt and I have never had any business dealings with XXXX XXXX. I have bank statements and cell phone records to prove that I have never associated with XXXX but have not been contacted to validate the debt. As such, I am certain this debt has been erroneously attributed to myself.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2018 ( for the second time in a two month span ) PayPal has decided to freeze my account. They will not tell me why they froze it. They blame the IRS and per their XXXX comments from other patrons, Im highly doubtful I will receive my money and be able to use that account. I need that money to run my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am filling 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 an 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressor these violations.
Product: Money transfer, virtual currency, or money service

I have contacted PayPal this person that I try to purchase tickets from on PayPal told me to send her {$70.00} for tickets and that she would transfer me tickets on to my email and she never did I just found out that she is a scammer and has been scamming a lot of people when it's contacted PayPal PayPal basically said that I need to call my bank so my bank and refund the money this is wrong and it's not right and they're basically blowing me off the lady name is XXXX XXXX n she is scamminh people using paypal
Product: Credit reporting or other personal consumer reports

This account was charged oof on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, Experian, XXXX XXXX all of them keep telling me they cant take these unauthorized accounts and inquiries off my credit report I sent In police reports ftc reports and I even sent over documentation to prove that my identity was stolen and unauthorized Good and service was open without my consent to do so and they wont do any about it they told me they was going to investigate I havent her anything back or when I call them they hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my credBy the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I was asked by someone to do a favor and receive a money transfer from them, which would be sent on Paypal, and return the sent money ( minus the instant withdrawal fee ) back on XXXX XXXX. I agreed because I knew the person. On XX/XX/2019, I was sent {$440.00} from the sender on Paypal and as promised, I sent back {$430.00} on XXXX XXXX which was the TOTAL amount minus the instant transfer fee. On XX/XX/XXXX on Paypal, an unauthorized purchase case was opened against me by this person. I provided sufficient evidence ( screenshots of messages agreeing and of the XXXX XXXX receipt proving I sent the money back. On XX/XX/XXXX, the sender opened a fraud case with his financial institution and because of Paypal 's incompetency to protect recipients of transactions, I immediately lost the case. I then opened a fraud case with my banking institution to receive the money back that I sent on XXXX XXXX, but the charge was ruled authorized. Now my Paypal account is negative {$460.00} and they want me to cover a scammer so they are not in the red.
Product: Checking or savings account

I got charged fees after fees leaving my account in XXXX USD, when tried to get in touch I did not received a response, this problem was from early XXXX to later XX/XX/XXXX, Wells Fargo closed the account without any possibility to reopen again and left it negative instead of bringing the account back to XXXX despite my efforts to continue to use it, I did not want to pay so many overdraft fees so after a lot of back and forward I gave up on it, later on the reported to early warning services when I do not owe them anything and even if I did owe them any amount I was willing to work with them as long as these fees were taken out
Product: Payday loan, title loan, or personal loan

XXXX XXXX went to this loan place XXXX XXXX at XXXX XXXX XXXX mi useing my ssi number to get auto loan this fraud. her address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My payments are due on the XXXX of each month and reported after my payment is made. The status of my credit card was reported on the XXXX prior to XXXX  days and before my payment is due for XXXX. This has caused my credit score to drop significantly.
Product: Debt collection

XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.
Product: Debt collection

A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed that there is a closed collection that I never knew about, or closed for that matter. I was treated by these medical professionals years ago, when I was severely XXXX. At that point in time, I was completely XXXX. I had a similar problem some time ago with creditors, and this one must be addressed as well. I was never made aware of this debt until viewing my credit report for the very first time. I should have been made aware of this debt. If that was the case, it would have been paid already and would n't appear as a stain on my credit report. The fact that it remains on my report when I did n't even pay it to begin with is baffling. If it was n't my debt, then why is it there?
Product: Credit card or prepaid card

An agent that I spoke with accepted accepted my {$600.00} payment towards my capital One credit card and lifted all restrictions on spending and Next day the restrictions are back on and I'm not able to use my card I would like them to honor what the 1st agent told me when he lifted the restrictions
Product: Debt collection

I signed off on my lease and moved out of my apartment and received my deposit back after a couple months I received a phone calls asking to collect debt from The XXXX XXXX at XXXX XXXX in XXXX, FL. I told them that I do not owe XXXX, they accepted my move out and gave me my deposit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From TransUnion 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 - XXXX XXXX, XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.
Product: Credit reporting

I I mailed a statement in to equifax that I wanted added to my credit report. When I noticed the statement had not been added I called equifax to inquire. The agent advised that she did not see a statement and that she could add it if I give her the information. When I received a copy of the statement that she had added, it was full of errors. To add insult to injury I have had my y credit pulled a copy of times and the only portion of the statement that shows up is " XXXX XXXX XX/XX/XXXX PAYMENT HISTORY SHOWS MY COMMITMENTS OF MAINTAINING A GOOD CREDIT HISTORY '' this was a small portion of my statement. This was intentional by Equifax to not report the full statement as I advised that I am in litigation against equifax on XXXX matter and will be filing XXXX additional suits against them. Again Equifax continues to operate in a malious manner that continues to cause me financial and emotional harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Affirm, I order you to IMMEDIATELY CEASE AND DESIST reporting ANYTHING about me or my financial information to any of the Credit Reporting Agencies. This includes XXXX, XXXX, XXXX and XXXX XXXX, and ANY Credit Reporting Agency that I didn't mention. YOU HAVE VIOATED MY CONSUMER RIGHTS, under the CONSUMER LAW : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

I have NEVER given you, Affirm, written permission to report ANYTHING to ANY Credit Reporting Agency about me or my finances. 
I demand that you remove ANYTHING that you have reported about me and DO NOT report ANYTHING about me in the future. 
Any further reporting to any Credit Agency WILL BE CONSIDERED A VIOLATION OF MY CONSUMER RIGHTS, DEFAMATION OF MY CHARACTER THROUGH LIBEL, HARASSMENT AND EXTORTION. 
I WILL IMMEDIATELY TAKE LEGAL ACTION AGAINST YOU, TO THE FULLEST EXTENT THAT THE LAW WILL ALLOW! 
Sincerely, XXXX XXXX
Product: Credit card

Synchrony Bank has closed and lower our limits without reasonable notice just because they can. They control too many store credit accounts, and they lower or close accounts without notice regardless of activity or not. When we pay the cards down and have any substantial available credit on that card, they lower the limit to within {$50.00} sending our credit score to the toilet and making us look like we are using all of our available credit and giving us a 95 % usage report and destroying our rating. When question why they are doing this, they report we are using too much of our credit and your score is low along with high balances on your cards. NO XXXX When you close accounts with no balances and lower limits to within {$50.00} of their balances it's going to look like all of the above! 
This is the only bank or company doing this to us XXXX  XXXX, XXXX XXXX, and XXXX " DO NOT DO THIS ''!!! They call and ask what's going on and how they can help if possible. When we explain its only Synchrony Bank doing it, they are aware and advised us to payoff and drop all cards with this institution ASAP! We are doing our best, but as we described above, every time we lower our balance, they lower our limit and claim it's because we use to much credit! Thus, the problem! Worst Company we have ever dealt with and will NEVER AGAIN!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNXXXX XXXX  {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT NAMEXXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.