23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/year> USCB Corporation XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation and Assignment Contract Chain Dear USCB Corporation : I am writing to request validation of the debt referenced in your my credit report, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Please provide the following information : 1. **Verification of the Debt** : Please provide documentation that verifies the amount of the debt you claim I owe, including an itemized statement of the account. 
2. **Original Creditor Information** : Please provide the name and address of the original creditor.

3. **Assignment Contract Chain** : I request a complete chain of assignment for this debt, including all contracts and agreements that transfer ownership of the debt from the original creditor to your agency. This should include any relevant documentation that shows your legal right to collect this debt. 
4. **Proof of Licensing** : Please provide evidence that you are licensed to collect debts in my state. 
In accordance with the FDCPA, I expect to receive this information within 30 days of your receipt of this letter. Until you provide the requested validation, please cease all collection activities related to this debt. 
Please send me a corrected updated credit report. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$750.00} For credit repair services that where never rendered. Its been exactly XXXX XXXX since I paid for services through this company and nothing has progressed, I reached out multiple times through out the year for a resolution as to whats going on with my file and why do I not see any changes or any communication from this company. I didnt not receive a clear answer until XXXX of XXXX from a representative named XXXX on XX/XX/XXXX XX/XX/XXXX I emailed in regards to my account and what exactly is going on since there has t been any improvement or movement for the services I paid for. I emailed them XX/XX/XXXX with No response I emailed them again XX/XX/XXXX XXXX and they never responded when I asked for a refund. I called consistently for XXXX  months with no response or answer XX/XX/XXXX I called customer service and was told they issued a refund to a closed checking account on XX/XX/XXXX and was told they have to wait 5-10 business for the payment to return an they will mail me the refund check. XXXX  is XX/XX/XXXX and I have not received my refund payment nor have I heard anything back from this company I have emailed and called and they have disconnected the customer service number. I have messaged the owner XXXX XXXX and he just reads the messages and never respond at all.
Product: Credit card or prepaid card

Barclays Whyndham Credit Card. 

The company refuses to talk to me on the phone about the charges to my account. 

I have asked them on several occasions to stop allowing the charges they refuse. 

My Credit Card is max out due to the charges. 

I have a legal complaint the company who set of the account who is billing my credit card, I dont have any records. We have been defrauded by the company billing my card. 

I don't have any records of allowing them to charge my card they charges. 

All these charges are unauthorized. 

I am seeking legal action based on the out come of this complaint.
Product: Debt collection

XX/XX/2018.. I got a call from Credence Resource Management. That representative was not rude. I hung up the phone and called XXXX ... the second I called credence resource management, the guy that helped me with my account was very rude, kept interrupting me, using profanity, and bringing up subjects that did not pertain to why I was calling. I said I can only afford so much per month and he kept tryin to get XXXX dollars from me ... the representative also told me to max out my credit card, and when I said I dnt have a credit card with that much of a credit limit, he proceeded to ask me how much is on my credit card. I informed him that it is not any of his business. He kept asking me over and over again. 
I have contacted XXXX about this issue, and asked for my account to be switched to a different collection agency.
Product: Credit reporting or other personal consumer reports

XXXX reported account as late XX/XX/23, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/23 late payment still appears on all three credit reports ( XXXX, Equifax and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but XXXX refuse to correct it or remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

For the past year, Experian has continued to report some unauthorized accounts. I have Communicated with Experian that these accounts are not mine. yet they have continued to report on my credit report. 
These accounts are listed aXXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I have a a unverified account from ENHANCED RECOVERY CO. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CO. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CO. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

In Reference to Company Credit Acceptance Account Number XXXX   ... ..

In XX/XX/XXXX my transmission blew so the company Credit Acceptance would not offer any assistance so I had voluntary repo the company did not take proper action as the NC law states about repos Currently I have learned they sold the car in a car auction XX/XX/XXXX 0r XX/XX/XXXXhowever through theUCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered. I received no notices also they are reporting inaccurate information like this account is new this account is at least 8 years old which should have been deleted off my credit file which I am requesting that Credit Acceptance Corp Delete in the next 15 days such we all can agree they have not took proper action in notify me of the debt also did not send notify me when the vehicle was auction off and no notification when reporting on my credit file 5 days prior and reporting as if it is a new account. I have attempted to dispute with the Credit Bureaus at least 4 times I was susscessfully with XXXX but XXXX and XXXX it comes back as verity but not ( validation nothing with my signature ). I appericate the CFPB help in this matter.

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

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XXXX  credit monitoring that I was 30 days over due for XXXX. I went online that day to the Ford online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the credit application by XXXX on XX/XX/2022 Someone did the application with my Social security number.
Product: Mortgage

On XX/XX/22, I scheduled a mortgage payment online with Freedom Mortgage. In the same computer session, I immediately canceled the pending payment because I realized I had to make it for a few days later ( which I canceled and scheduled another for XX/XX/22 ). I canceled this payment literally less than a minute after scheduling it, but the money was still withdrawn out of my account 5 days later and the other payment scheduled for XX/XX/22 was applied as well. I called the mortgage company when I noticed that there were two payments applied to my account in XXXX and the rep told me that I would need to conference a rep from the bank that holds my checking account or provide them a statement that shows duplicate payments were taken out of my account before they would refund me my money! However, this is theft! I have a right to immediately cancel a pending payment, less than a minute after I made the online payment, so forcing this payment to still go through after the cancelation option was still available is theft! I have had nothing but problems in the two months this company has been servicing my loan and something must be done about it to stop them from continuing these deceptive practices!
Product: Debt collection

When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX
Product: Credit card

To whom it may concern, I am wanting the inquiry from SYNCHRONY FINANCIAL to be removed. My application on XX/XX/2023 was denied and I have no issues with my credit or any other outstanding financial debt. I am employed and financially stable, there should have been no issues during this process and no reason that my application was denied therefore no reason to have a hard inquiry on my account for a closed/unopened credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding investigation results based on information provided to Transunion. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with XXXX XXXXXXXX XXXX that it is an error within their processes and yet Transunion is unable to correct this reporting. I find this unacceptable and ask that Transunion provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from XXXX XXXXXXXX XXXX to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX
Product: Money transfer, virtual currency, or money service

My daughter XXXX XXXX sent me XXXX $ Using PayPal on XX/XX/2021 in portions because the system wouldnt allow her to send the full amount of XXXX dollars in XXXX transaction after she sent me the money to my PayPal I seen PayPal immediately put a limitation on my account for suspicious activity and asked for me to provide verification of address a state ID and a explanation of the activity. I submitted everything they requested .the a Couple days later I received a email from PayPal XXXX that I cant gain access to the funds my daughter sent me for 180 days and without viewing my case and checking into the transactions my daughter and I send to each other to show there is no suspicious activity goin on the automatically freeze my funds and tell me theres nothing they can do I have to wait 180 days and I can access the money then. I called numerous times to see if they can reverse the amount back to my daughters account but the continuously tell me no with no explanation to why they did the limitation and to why they froze the funds and now I have to wait 180 days to regain access. I did a little research and noticed this is a cycle with PayPal Ive read Hundreds of testimonies all over XXXX about how PayPal locks peoples money in their accounts and gain interest on it Im making this report I need them to reimburse the money back to my daughters account where it was originally sent from it was the only money me and my daughter had. With this being such a tough time for us and this pandemic we can not afford to have such a amount of money on hold for no explanation as to why they did so. Sincerely, XXXX XXXX XXXX email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been sending letters and calling the credit bureau TRANSUNION to request them to remove 51 inquiries and 5 collections accounts that have been fraudulently done. In XXXX they said i need to submit a police report. I went to the police department in XXXX New York and made the report and the police sent me a conformation of the report. I have sent them that report by USPS 17 times along with copies of my driver 's license, copies of my social security and a list of the inquiries and collections. I never got a response from them. First they ask me to give them the ID number for the detective that is handling the case. I did that and gave them that ID number of the detective. Then they wanted me to send them copies of the police report that is handling the case and I sent them that information. I sent them everything they requested and now they want me to send them a report with a list of all the inquiries that I want removed. But I sent them the list already because on the police report, they didn't validate that information. I called the police department again and asked them to send me a list of the inquiries. The detective XXXX told me that the report was already done that way and they have to accept it that way. I spoke with a supervisor at TRANSUNION this morning and he rudely told me that they will not validate that police report. And they are going to leave the inquiries and accounts on my credit report even though I have proved to them that they are not authorized by me.
Product: Debt collection

This morning I received a phone call about a debt I have with the XXXX XXXX XXXX. I acknowledge that I have a debt but never received paperwork from the company collecting. I have been in contact with XXXX XXXX XXXX to take care of this. The gentleman 's tactics were not only rude but he didnt do much of explaining. Also, he called my husband in regards to this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of those on my credit report, I see it during a check up on my credit.
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 proce 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 7203 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and XXXX credit report, Bridgecrest ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. Bridgecrest is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a XXXX XXXX was opened under my name. The balance is now {$11000.00}. On XX/XX/XXXX a XXXX XXXX XXXX  was opened under my name. The current balance is {$450.00}. On XX/XX/XXXX a XXXX XXXX was opened with a balance of {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXXXXXX