23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a written request to Portfolio Recovery asking them to contact me through the U.S. mail only. They continue to call repeatedly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is my name social security number is XXXX my complaint is that on my experian credit report theirs a hard inquiry from XXXX please have experian remove that hard inquiry due to identity theft I filed a federal trade commission identity theft report that's the only problem I have thanks
Product: Credit reporting or other personal consumer reports

I found that there are some hard inquiries on my credit report that I did not authorize from XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX   and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.
Product: Checking or savings account

" The company CONST LLC also known as XXXX and XXXX has suddenly shut down with no explanation to investors. 
CONST LLC XXXX XXXX  ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. XXXX holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 
CONST LLC XXXX XXXX  ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 
On XX/XX/XXXX the company went dark. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I personally have {$900000.00} invested with the company. 
LLC business license number. California # XXXX Delaware XXXX : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX Card with account XXXX XXXXXXXX opened on XX/XX/2015 and a balance of XXXX 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made since I open this account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of XXXX XXXX XXXX listed on my credit report. After thoroughly reviewing the information provided by XXXX XXXX XXXX, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax
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 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I C System is showing a debt for XXXX XXXX XXXX XXXX. My insurance was to pay more on this bill because XX/XX/XXXX did not file correctly. The debt is not owed and needs to be deleted from my credit bureau as it is not a valid debt. 

In addition, said debt is outside of the statute of limitations, so the credit bureau reporting serves as a collection attempt in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from TJX /Synchrony Bank XXXX I reached out to creditor to advised them I have know knowledge of opening TJX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. Synchrony Bank has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX AM I made one last attempted to resolve issue with Synchrony Bank and I decided to give them a phone at XXXX. I spoke with a representative that advised me that Synchrony Bank had sold account back on XX/XX/2018 to XXXX XXXX. 

Synchrony Bank has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Product: Checking or savings account

To whom it may concern, this complain is related to the first complained i have filed with BMO bank, i was notified that the investigation was done & completed but only one of my complain was resolved ( MY dispute with XXXX charge ) NOT the ( XXXXXXXX XXXX ) that i have also filed which is the a missing refund coming from the merchant ( XXXXXXXX XXXX ) i will attached all proof below that there is a refund indeed made to my account which is a screenshot but for some reason BMO bank failed to explain/disclosed where & why all this info about the refund from XXXX was not showing anymore on my bank statement even the authorization that was originaly showing to my account which is a proof of refund that is being process, i also would like to complain that due to the incorrect Hold 's being done by BMO to my money for 3 month 's since XXXX for this case # XXXX, they charge me {$15.00} & {$3.00} fees on XXXX for being overdrawn while they were investigating my complain on the ( XXXX ) they Don't want to fix/waived due to there mistake Not releasing my FUNDS & reason why my acct was on a negative, they also lock our ( XXXX ) after i filed a complain without us notifying ( owner ) that is why we can not transfer the money we have been waiting for month, until my husband complain to the branch and notify them that it is illegal for them to Lock our acct w/out any Notice .Pls help and assist us with this Unfair service being done by the bank and help us resolved this issue that we have been dealing for Month 's now since XXXX.
Product: Debt collection

The company XXXX XXXX has Close the account XX/XX/2017 now the Law office of Steven Cohen, LLC is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened student loans in the past 3 years and they were being reported accurately to the credit bureaus until recently. I noticed that many years of successful payment history has been deleted. The most recent payment history is only dating back six months. The credit bureaus refuse to update this inaccurate information which leaves gaps in my credit history. I want this resolved immediately.
Product: Checking or savings account

I filled a complaint regarding this issue before and it was closed by the CFPB, however I dont understand the statement by institution. I tried to transfer money from my chime card to my XXXX XXXX. XXXX XXXX declined the transaction and told me the funds never entered my account because it was declined. They ran diagnostics on my XXXX wallet and on my phone and went through their financial accounts to double and triple check for me. They sent me my transaction statement showing that no deposits or withdrawals were made on the day in question, XX/XX/year>. I will include this statement. I contacted chime and they basically told me my money was gone after a back and forth of trying to prove I even had an account. After a long time on the phone they were finally able to see my account and said my money was in apples possession. They supplied me with a statement showing that my money was transferred. I will include this statement. I reached out to stride bank, chimes handling bank and they did a small investigation and left it in chimes hands. I will include their response to me. I do not understand how if a transaction was declined the money was not immediately returned to my account as it never shouldve left if it was declined. I would just like my money back, it was not a small amount of money, {$440.00}, and is desperately needed. This feels like a scam and that my money was stolen. I would just like my money back and to sever ties with chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than 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 a reasonable cause to believe the information is inaccurate.
Product: Debt collection

I filed an original complaint with CFPB and since Aqua Finance called and I didnt get back to them within a day or two CFPB closed this complaint out. I called Aqua Finance and explained the identify theft situation, that my ex boyfriend that I havent lived with since around XXXXXXXX XXXX 2021 used my social security number to put an account in his name with him. I did not agree or let him do this. I have tried to speak with Aqua Finance numerous times and they just do not want to remove it saying its accurate when its not. I lived in a whole different city when this was even opened. I lived with an old friend in XXXX, Kentucky when this was opened. I have tried to figure out how to file identity theft with police department but it got no where because I was bounced around from which county it actually needs to be filed with and the police departments kept bouncing me around not wanting to be of any help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit file. 
Unauthorized Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX  XXXX  Equifax Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX XX/XX/XXXX {$0.00}.
Product: Debt collection

Back in XX/XX/XXXX of last year XX/XX/2018 I cancelled my service with XXXX. I cancelled the service with being about 2 days into the billing cycle for that month. I told the rep I would pay for the service I used but that's it. They claimed they couldn't do anything about it until the bill generated. I filed a dispute with them immediately. I was told I didn't need to call in anymore and they would give me a call to discuss the situation. XXXX rolls around and I am moving out of my apartment and at the same time suffering with XXXX XXXX  and having a XXXX  XXXX that failed removed. I started to get bills in the mail for around {$170.00}. Not only is that amount wrong but its significantly higher than what I should owe which is around $ 3-5 $ for two days of service and the company didn't follow proper protocol to dispute my case with ME ACTUALLY BEING INVOLVED AND AWARE OF WHAT IS GOING ON. They made a decision without informing me of anything and submitted me to collections. They never even sent me any documentation stating how they came to their conclusion. By the time I found out I was already in collections. I paid my bill a month in advance for over a year so not only did they take the credit on file. They charged me an additional {$170.00} or so over. I called back in and was told nobody could help me at the moment as the dispute was still being looked over. In XXXX ( which was plenty of time ) I get a letter from a collection company saying that my account was turned over to them. What I did not receive was ANY documentation saying how they came to this conclusion and NO phone call from anyone to discuss the situation. I called in again and XXXX told me they couldn't do anything about it since it was put into collections but that is not good enough. That is a sorry excuse for their actions and they must pay for it. They even tried to justify charging me extra stated since I cancelled my service early their was a early termination fee. Well the only problem with that is I WAS NEVER ON A PLAN. I WAS MONTH TO MONTH!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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* 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear XXXX Please, I am disputing the date of the last activity for account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX delete this item. 
It has been re-aged. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXXXXXX XXXX XXXX  - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX  - XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX - XXXX- Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Checking or savings account

Identify the XXXXXXXX XXXX and their account number used for the XXXX XX/XX/year> ACH deposit of {$980.00} as identified in the ledger description XXXX 
XXXX XXXX? XXXX XXXX XXXX or some other bank? 
Can TD prove in writing to whom the ACH deposit was issued to? 


Identify the XXXXXXXX XXXX and their account number for the XXXX XX/XX/year> ACH deposit of {$4500.00} as identified in the ledger description IRS XXXX XXXX XXXX XXXXXXXX? What Department of the Treasury did the money come from? 
Can TD prove in writing to whom the ACH deposit was issued to? Which bank was used? XXXX XXXX, XXXX XXXX or a another bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded XXXX XXXX to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to XXXX XXXX via email to fix the error. XXXX XXXX is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to XXXX XXXX, XXXX, and Equifax in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX has removed the account from my credit report while XXXX XXXX and Equifax has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was XXXX XXXX about to verify with XXXX XXXX and Equifax but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.