23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I SET A SETTLEMENT UP WITH THE COMPANY TO TAKE CARE OF THE DEBT, THEN I CALLED TO CHANGE THE PAYMENT AS I REALIZED I DID NOT HAVE ENOUGH MONEY TO COVER THE ORIGINAL SETTLEMENT. THEY AGREED TO TAKE THE LESSOR AMOUNT. LATER IN THE DAY I REALIZED THAT THEY HAD TAKEN BOTH PAYMENTS FROM MY ACCOUNT A TOTAL OF XXXX $ I ONLY OWED THEM XXXX FOR THE SETTLEMENT. THEY HAVE NOT RETURNED THE MONEY TO MY CARD YET AND HAVE NOT CONTACTED ME TO LET ME KNOW WHEN THEY WILL RETURN THE MONEY TO ME. THE EXTRA MONEY THEY TOOK WAS PART OF MY RENT. THEY ALSO REFUSED TO RETURN THE XXXX TO MY CARD AND SAID THY WILL ONLY RETURN THE SMALLER PAYMENT OF {$600.00} EVEN THOUGH THEY PREVIOUSLY AGREED TO TAKE THE SMALLER PAYMENT. THEY HAVE ALSO SENT ME THREATENING LETTERS SAYING THEY WERE GOING TO SUE ME.
Product: Credit reporting or other personal consumer reports

i just checked my credit profile for the first time and i have an account that was never mine and does not belong to me or inquiries my credit was hacked my social was hacked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> these dont belong to me i need help in assitance my credit has been compromised
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, LVNV Funding, LLC partial account # XXXX has violated my consumer rights. I did not give LVNV Funding, LLC written permission or instructions to furnish this negative account on my consumer report. 15 US Code 1681 section 602 A States that I have the right to privacy. 15 US Code 1681 section604 A section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, Equifax, and XXXX. They marked the account charged off in XXXX XXXX XXXXXXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX XXXXXXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent inquiries and for not taking corrections on my credit report and I have attached the letter with the list of inquiries on it with the identity theft number XXXX. 

They also allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter dated XX/XX/2023. As I checked my credit report these unauthorized hard inquiries and fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

Very disappointed with TransUnion, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. 

XXXX XXXX XXXX XXXX XXXX, shows missed payments on our mortgage, on two occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND XXXX reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET XXXX  and TRANSUNION have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... 
This has now caused any company using ONLY Transunion to DENY CREDIT, based upon FALSE INFORMATION from XXXX  on TRANSUNIONS site. 
We have also since received a letter from XXXX offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' XXXX  and TRANSUNION HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from XXXX  THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.
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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit card or prepaid card

credit card company says I did'nt make the time limts on complaint/ I did, info sent to me is unreadable by me, from booking.com. Billed twice. XXXX statement XXXX, phone dall made to capital one, follow up letter sent, per capital one 's instrustion. claim number given over phone did not match on return letter thanking me for my concern. XXXX claim numbers. reservation was XXXX told capital one this. Sent billing receit with phone numbers to call XXXX XXXX XXXX  to confer. last letter received on XX/XX/XXXX states did not make time. capial one did not protect my account, chose to take the word of a computer over a live breathing person myself
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting an open account. The account was settled in full XX/XX/2022. The balance nor comments have been updated to reflect updated status.
Product: Money transfer, virtual currency, or money service

My venmo card wont work that was around XX/XX/XXXX, I call venmo and has a long chat with costumer care and they said I should wait 2 days, even thought I have money on my balance, after the 2 days I still wont use my account, I call again they said it security system and I should wait another 7 days, after that, they send me a email saying my deals did not go well with there policy, so my account has been permanently deactivated, it was after calling and text them, they now told me I owned them XXXX . They said my provious account owns that amount. 
I never own venmo that amount, last year my XXXX got stolen and they use my account to send money from my account and when the bank come after venmo and venmo came after me to pay them. Even know after sending them police report, and up till now I can access that old venmo account. So because of that, they froze this my new account with XXXX $ in it. Saying they are holding on to my money for 180 days
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax consumer report, there is nonpublic information being reported in my consumer report that is a result of identity theft. I never gave written permission/instructions for these companies to report this nonpublic information in my Equifax consumer report. Equifax never even disclosed to me that they received a request from such companies to report this information in my consumer report. Below I name the information that is result in identity theft XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX after checking my credit report I seen a collection from the collection company Portfolio Recovery Associates. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get Portfolio recovery to validate this debt they 've FAILED. I received a letter XXXX from portfolio recovery sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an experian rep to come here before file a suit against these people.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

I got forced and pressured by employees at XXXX XXXX to purchase XXXX XXXX that I returned same day thought financing
Product: Consumer Loan

I was denied a {$10000.00} credit loan with Wells Fargo. The reason given was that ; Amounts owed are too high relatve to your income. 

XXXX gave me a XXXX Credit Score, XXXX/XXXX/2016. With this very high credit score I believe that I have been discriminated because Wells Fargo has a history of denying loans to XXXX.
Product: Debt collection

A collections report appeared on my credit report from CREDENCE RESOURCE MANAGE for and " XXXX XXXX  '' account opened in XX/XX/year> that went to collections in XX/XX/year>. I did not open any new accounts in XX/XX/year>. I have received no bill notifications. I have no knowledge or access to this account. I have confirmed with XXXX XXXX XXXX  that I do not have any overdue balances on my real account. This is a fraudulent charge.
Product: Debt collection

I would like for these collections of student loans to be removed from credit report XXXX, XXXX, and XXXX XXXX according to law FCRA section 605Bit states its illegal to report information on my credit without my permission and also love 15 USC 1692C the law clearly states if a consumer notifies that the consumer refuse to pay a debt collector must see all communications. It is also illegal to upload my personal information through different third parties without my consent. The account numbers for the Dept of EducationXXXX are XXXX and XXXX. The bill amounts are ( XXXX ), {$2500.00}, {$820.00}, {$3500.00}, {$3500.00}, {$1000.00}, {$4600.00}, {$110.00}, $ {$3000.00}, {$3000.00}, {$2800.00}, {$2700.00}, {$110.00}, {$1400.00}, {$14000.00}, {$2500.00}, {$1400.00}, {$3500.00}, {$820.00}, {$3000.00}, {$2700.00}, {$110.00}, {$810.00}, {$110.00}, {$3000.00}, {$3000.00}, {$1000.00}, {$2500.00}, {$14000.00}, this is a total of 27 collections
Product: Credit card or prepaid card

REF : XXXX REF : XXXX LETTER OF SUPPORT To whom it may concern, On the night of XX/XX/2019 Ive managed to order the batch of items on XXXX for the full amount of {$1400.00}. All of them have been delivered to my business storage located at XXXX XXXX XXXX XXXX XXXX NY XXXX during the period of XXXX. 

However, every piece of item been either partially damaged due to mishandling, or not looked at its been described online. Due to that fact, Ive requested to return these following XXXX 30 Days Return Policy. As been requested Ive managed to pack and shipped items back to different XXXX Facilities located in KY. 

All the shipping labels contained reference number for the returned items and could be find attached. 

Nevertheless, even though all items have been succefully returned to the XXXX, only partial refund on {$900.00} combined have been issued from 3 separate charges combines to my AmEx Business Platinum Account ending in XXXX : {$450.00}, {$210.00} and {$740.00} respectfully. 


Since all the packages succefully have been returned to XXXX within the companys policy, Im asking AmEx to adjust the charge and refund back to my account the amount of {$500.00} the difference which hasnt been issued yet. 


For your convenience, please consider attached : # 1 : Order Details from XXXX # 2 : Copies of the shipping labels # 3 : Copies of the XXXX tracking information with a proof of delivery Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

ACCT. ENDING IN XXXX CASE # XXXX You informed me that you've already investigated this and sided with the merchant but I would like Capital One to please explain to me how you came to that conclusion in detail because I have provided The Returned guarantee policy copies of it and it's very clear it's very black and white that the merchant did not follow their own guarantee refund policy how are you justifying that? In the information they provided so far everything I've read had to do with the other person in the room I'm not sure what that has to do with anything I'm the one that paid for this hotel room I don't know what the other person in the room has to do with my complaint my dispute if you're going to stand by your decision not to refund the money back to my account you need to give me details as to why because everything I've read that the hotel is provided shows that they are very guilty and they didn't follow their own guarantee refund policy so we can please explain to me why you have decided the way you have and if you don't have an answer then I expect a full refund be issued back to my account
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated everythin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$43.00} Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}
Product: Debt collection

Livingston financial LLC sent me a letter stating I owe over XXXX for some debt back in XXXX. Stated debt renewed in XXXX and again in XXXX. I've never been notified of this and have no idea what debt they're referring to. It's been XXXX  years and built a lot of interest without any notifications. I need paperwork proving the debt owed and if it is my debt I'd like to resolve it minus all the added interest because I was never notified all these years. Please remove from collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.