23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$250.00} ] XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. The name of the original creditor. An explanation of how to obtain verification of the debt. A statement that I have the right to dispute the debt in writing within 30 days. I further demand that you issue me a Form 1099-C within 14 days of the date of this letter. A Form 1099-C is required by the IRS to report the cancellation of debt income, which may have tax implications for me. Failure to comply with my requests and the requirements of the FDCPA within 14 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws.
Product: Credit card

in XX/XX/XXXX my local XXXX XXXX advised me to open a credit line of {$15000.00} to pay for my XXXX XXXX, contract is 0 % for 2 year if paid in full. I agreed, appllied got approved, and set up auto pay for $ XXXX, 2 years gone by, XX/XX/XXXX I logged in and see my balance is over $ XXXX still. called in and learned that an add on service called " card security '' was siphoning $ XXXX off my {$660.00} payments. causing my account not paid in full in 2 years and in the fine print i would get charged interest all the way back to the beginning. But I never authorized the card security add on, itis one of their own serivce, my bank statement always shows I paid Synchrony, not card security so I was in the dark the whole time. I looked on line and there were conntless of people got trapped by this unethical practice by Synchrony and they were sued back in XXXX for this exact practice. They refuded {$1400.00} worth of 1 year card security payment back into my total outstanding balance but bottom line I still owe over $ XXXX. I have turned off auto pay and this credit account will default
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 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 ( EFT
A ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX. I called all XXXX, XXXX, and Trans Union. In order to dispute 21 hard inquiries on my credit report. Back in XXXX of XXXX. I applied for a car loan. And I asked the the dealership To only run my credit one time. And here are months later I have 21 XXXX inquires. 

When I explain to the bureaus the situation. They told me that, They couldnt remove the inquiries. After I explained to them that I did not give consent to run my credit that many times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX  errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 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 Original Creditor 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a validation letter with this collection agency via certified mail asking for a sufficient proof that in fact this debt for {$240.00} is mine. They received the letter on XX/XX/21. Until now they have not put a dispute comment in my credit report even if I have already sent them couple of letter about furnishing a dispute comment in my credit report. I did some research online and it is clearly a violation, also in addition to that they never responded to my letter and keep ignoring me. There is also no original creditor written in the credit report it is incomplete. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies XXXX XXXX XXXX  were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and a collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

I do not know who they are or where this account or fee comes from, please help me how to remove this fraudulent account
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX all failed and voilated my consumer law rights according to the FCRA 15 usc 1681 a/b/g Congressional findings of the consumer law states my rights as a comsumer inaccurate information harming me and my family my personal information is very important to me .XXXX XXXXXXXX XXXX  XXXX is one of the company furnishing inaccurate information on my credit report, also late payments, another company is XXXX # XXXX is in voilation of my consumer law rights and i would like these items removed from my credit report. And according to my rights these violations are entitle for me to recieve {$1000.00} for each violation commited thank you for understanding the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX Account # XXXX for balance of {$1800.00} was disputed and still showing on credit report. This account was charged off and still shows a past due balance on the account. That is a violation if this account was charged off was cxl there should be no balance reflected on my credit report a charge off means the debt was cancel. This is reporting negatively on my report and is affecting my score please delete off my credit report due to reporting inaccuracies and per U.S. code 1681 ( c ) please update and delete. I sent various letter and sent many disputes this company does nothing was updated. Thank you
Product: Vehicle loan or lease

Hello - I tried to dispute the auto loan - NissanXXXX XXXX  XXXX XXXX, TX XXXX twice already due to my divorce. My name is no longer associated with this lease, yet Nissan is disagreeing. In the attached document, you can find the release from my ex-husband. To my knowledge, he no longer has this lease on his credit as he returned the car, too. This is affecting my credit, and I am not liable for this account. 

XXXX
Product: Credit reporting or other personal consumer reports

I am disputing certain information in my credit file that I believe is inaccurate. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, if applicable, removing this inaccurate information from my credit report. 
Upon reviewing my credit report, I have identified negative account entries that I do not recognize and therefore dispute. I am concerned about the accuracy of these entries, as they do not reflect my credit history accurately. 

Below are the details of the item in question : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Reason for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of XXXX  Account Number : XXXX Creditor Name : XXXX XXXX XXXX Reason for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of XXXX  Account Number : XXXX Creditor Name : XXXX  XXXX  Reason for Dispute : This account is was paid off in full and because I have a new credit product with them it was agreed by XXXX  XXXX to delete this account to start rebuilding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this correspondence is to obtain your assistance with an alleged debt that IQ Data International is currently reporting on my XXXX   credit report. After discovering this debt, I disputed this with XXXX I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by XXXX credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify- through the physical verification of the original signed consumer contract of any and all accounts posted on my credit report. XXXX  sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which XXXX is complying with federal law to verify this alleged debt. 

XXXX failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to IQ Data International on XX/XX/XXXX Returned certified letter to IQ Data International SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel IQ Data International to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

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

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in one lump sum, totaling {$2400.00}, and was received by  XXXX  on  XXXX / XXXX / XXXX  ( see attached  XXXX  statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges  assessed for ei ther Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with  XXXX  on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not  XXXX  ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on Credit Report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward customer provided ad evidence to furnishers and failing to adequately notify customers of dispute outcomes these failures online with my experience where Experian has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate. Corrective action to remove or amend the disputed accounts, as experians in action violates federal law and my rights as a consumer
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. You are violating my right to have an accurate reporting. Kindly remove the following : XXXX account XXXX XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2018, I travelled to XXXX. Prior to travelling, I purchased rental car insurance from American Express. When I got to XXXX, I went to pick up my rental car and was told by the merchant that I had to purchase additional rental insurance despite having it with American Express. I immediately called American Express from the rental place in XXXX to ask for advice. The customer service rep told me to pay the amount for additional rental insurance and I would be credited when I got home. All I needed to do was call Amex upon my arrival back to the United States.

Despite relying on the expertise as Amex as a layperson, Amex refuses to remove the charge for {$580.00} from my bill ( the amount of the additional insurance ). I have requested a copy of the taped conversation from Amex and they refuse to provide by saying they can not locate it. The transcript of the conversation with the Amex rep will simply prove my case by showing I simply followed their expertise. Yet, they have transcripts of all my subsequent calls disputing the charge.

Amex continues to act in bad faith by refusing to remove this {$580.00}. I have disputed it several times since XX/XX/2018.
Product: Debt collection

I was sent a letter saying I owed a medical debt from a company called Radius Global solutions. The paper list a non working website to dispute the bill. I called the company and was immediately transfer to a supervisor to immediate me. I told them I want to dispute this and would not allow me to dispute by calling. When I asked for proof I owed around XXXX. I get a letter from them a few days later and says they change it to around XXXX. And I need to pay XXXX to settle. I still don't have proof if this is a scam or if the debt is mine. This call was placed to them on XX/XX/XXXX at XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and notice fraudulent activity please investigate EXPERIAN, XXXX, XXXX & Other reporting companies
Product: Credit reporting

Some company posted a account on credit report that is not mines. They never even sent me a bill stating debt. But after i disputed they updated account and sent me attached letter.But company still has not provided me information on what the debt is. The letter does not even give me any type of ACCOUNT INFO. 

Account XXXX Bank XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems is displaying zombie debt that is not mine. XXXX and XXXX have not provided information to go into arbitration for long standing account insurance company paid and closed.
Product: Mortgage

Ocwen Mortgage took over the Servicing of my loan a few years back. They have accepted payments on the account, but do not seem to be applying the payments and
Product: Checking or savings account

On XXXX the XXXX I set up an account with citi bank I funded the account with XXXX dollars. I left the account alone because I have another account. Fast forward to XX/XX/2020 my son has an ER visit I go to take money out of my savings account and can not they say that my account is flagged I do not have a signature card. I have three accounts never was asked to send this in. I then say ok can u sent me the information to which they do not. Then I call the next day and they send me the information but cancel my debit card. So they expedite me a new card. Then I try and log in on my online banking and I can no longer see my savings account.Call again they resolve it call back the XXXX ask them if they received my signature card they say yes, Still cant transfer money call back told my account has been canceled and they are expediting me a check. Call back again was told my check for XXXX was being sent through regular mail!!!!! They will not give me a tracking number or anything. They also keep giving me the run around and at this point I just want my money back!!!
Product: Debt collection

This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.
Product: Debt collection

I received an alert that something had reported to my credit. As I reviewed my credit with XXXX, there was debt for {$940.00} Date Opened XXXX with Receivable Recovery Partners. I disputed this debt on XXXX and received notice back that the debt remains. I called Receivable Recovery Partners at XXXX and asked for the name of the company that submitted this debt to them. I was supplied with the name of XXXX XXXX  XXXX. I do not know who that is so I attempted to call them with the telephone number listed on XXXX of XXXX. I attempted to call them on XXXX. When you contact the above # for XXXX XXXXXXXX XXXX it goes to a recording stating that someone from their billing department will be in contact with you, to please leave your name and telephone number. In which I left a voicemail each time I called them. I have yet to receive a call back from the " original creditor '' to validate this debt. I called Receivable Recovery Partners back on XXXX and asked again for the creditors information to be sent to me. The person supplied over the phone that this was billed through XXXX XXXX XXXX. I then called XXXX XXXX XXXX XXXX department on XXXX and was told I do not have outstanding debt in that amount and that they do not bill through XXXX XXXXXXXX XXXX XXXX I was told to call XXXX XXXX XXXX XXXX I called XXXX XXXX billing XXXX and they confirmed there are no outstanding debts in that amount they referred me to call XXXX. I attempted the # they supplied and it just rang, no one answered and there was no option to leave a voicemail. I have attempted to XXXX additional contact information for XXXX XXXXXXXX XXXX, I have called XXXX ( they referred me to the XXXX # ). I do not know what else to do. I can NOT get in contact with the " original creditor '' to verify validity of this debt and its affecting my credit.