23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My daughter was in an accident and had an emergency room visit on XX/XX/XXXX. After my insurance pad their part I was left owing {$380.00}. I paid this with my XXXX card directed the payment from my XXXX website XX/XX/XXXX the payment was made directly to the provider XXXX XXXX XXXX XXXX XXXX and the payment cleared with my XXXX provider on XX/XX/XXXX. I received a collection notice from XXXX XX/XX/XXXX. I emailed them with proof of the cleared payment and also Called and spoke with XXXX on XX/XX/XXXX who confirmed they received the information and were waiting for the dispute process to clear. XX/XX/XXXX I received ANOTHER collection notice from XXXX. I have emailed them again with the same information that had me provide them previously. This is ridiculous that I have to continue this same communication with them to protect my credit when they have BEEN paid for almost 18 months.
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. 
Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX, 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 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 rep
orting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I check my credit report today XX/XX/XXXX and I noticed the inaccurate account and inquiries reported on my credit report. also I received emails from the 3 credit bureaus saying I'm using 3rd party? which is wrong because I'm the one sending letters and filling this complaint. No one help me from any credit repair company or 3rd party here 's the inaccurate account and inquiries I demand to delete immediately : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

Pulled credit report XXXX/XXXX/15. Sent validation request of 3 medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX XXXX 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 of 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 1666 B. A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several written requests to TransUnion Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Product: Debt collection

In XXXX or XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from Dynamic Recovery Solutions who claimed to be representing XXXX. This is probably the XXXX call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " XXXX '' got this phony debt.. .nor do I know how Dynamic Recovery Solutions XXXX XXXX South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business days. 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: Vehicle loan or lease

XX/XX/year> had to buy a car to restart credit after bankruptcy divorce and child custody case plus XXXX XXXX XXXX they charged to much for the car plus too much interest and too high a payment
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  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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

On XXXX XXXX I sent paid off remains balance to XXXX they are showing on my credit score 90 days of non payment dropping my credit score 90 points
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME, PLEASE UPDATE YOUR CREDIT REPORTING FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Credit reporting, credit repair services, 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 15USC 1681. 

XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX : # XXXX, XXXX, XXXX  XXXX : # XXXX XXXXXXXX, 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 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 record 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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, and mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the inaccurate address and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 -- -- -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following acct attached in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX-XXXX Inquired XXXX XX/XX/2021 XX/XX/XXXX
Product: Checking or savings account

I was alerted by Square that an account had been opened in my name. I thought it was spam at the time as it was an email alert. Then a few weeks later a Square Business Account debit card showed up at my home address with my nickname addressed on it. Right away this became suspicious as my accounts are all under my legal name, not my nickname. I contacted Square and they closed the account right away for fraud, but let me know the account was opened with both my birth date, social security number and my home address. The only thing that did not match was the account was linked to a phone number that was not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went online at www.westernunion.com and requested an international Bank-to-Bank money transfer for {$160.00} to be debited from XXXX XXXX checking account and be sent to my brother in XXXX. They promised a 7 day completion time-period. I called them on XX/XX/XXXX and they said the settlement date would be XX/XX/XXXX. On XX/XX/XXXX I call Western Union again and they said that they show that the transfer was completed and to check with the receiving bank. I asked my brother to check and he was told by his bank 's remittance department that no funds have been received and they see this often where Western Union allegedly sends money but does not get to the recipient and it would be hard to get your money back. I called and emailed Western Union several times since and was given multiple cases ( XXXX, XXXX, XXXX ) and promises to investigate with no avail. I final asked for a refund and they stopped returning my emails and I get transferred all around the company when I call and get a new case number each time.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I were tremendously impacted by the pandemic Covid. As I understand it this is considered a natural disaster. Not only did I lose over XXXX XXXX of my income but my husband was also diagnosed with stage XXXX XXXX XXXX in XX/XX/1920. With mounting medical bills and a lack of income we have done our dead level best to stay current with everything that we have. It seems that accommodations have been madev for most on their credit reports however ours seem to be impacted. We have been consistently in contact with our creditors and paying as much as we can. I would certainly hope that there is some sort of compassion for the pandemic and a life-threatening illness where these remarks can be removed from our credit scores or our credit bureaus so we are not so severely impacted. I am attaching a picture of my husbands diagnosis with the XXXX XXXX  that were found On his colon after a clear XXXX  only XXXX year before. He had done all the pre-requisite screening and the doctors are amazed by the anomaly of my husband having a stage XXXX XXXX XXXX with a clean XXXX a year before. I would appreciate any help we can get
Product: Money transfer, virtual currency, or money service

Cash App kept {$170.00} from a gas purchase at a XXXX  gas station 2 days ago. On Wednesday XX/XX/year>. I get gas using this card 3-4 times a week and they have never kept my money. I never have kept an additional {$170.00} on this card until this day. If the required me to have {$170.00} everytime I got gas I would understand. But because I dont keep that much money they allow me to use the card without a {$170.00} deposit. On this day I stopped for gas on my way to pay a bill. The app says to call the business if you have a problem. I did that and they explained to me that they already charged me for the gas and released the {$170.00}. They also told me if I am missing {$170.00} its because of cash app. So I called cash app. They told me once again it was shell gas that was keeping my money. I then told them XXXX provided me with a receipt. Cash app representative then said they have permission to keep my money for 5 days. Its theft. They collect interest on my money. While Im being charged fees from other companies because they decided to steal from me. Them keeping my money was unexpected and has caused me to have late fees, reconnection fees and no money for 2 full days. They said they can keep it for 5 days. Like I said if they did it everytime I would xzbe expecting it and would have known better than to use the card for gas. They have managed to keep my money leaving me completely broke and its something that needs to be addressed since they dont do it everytime I get gas. If they are going to steal peoples money it needs to be consistent. People on a set amount of money can not afford cash app to steal their money even if its for 5 days. They allowed my data to be breached then stole my money and they need to be stopped.
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 right to privacy and confidentiality under 15 USC 1681. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information to be removed from my credit report. 

Delete Accounts : from my credit report. Delete account in collection from my credit report because of multiple violations of the Fair Credit Reporting Act : Account as follows, bankruptcy was dismissed, voluntary letter attached for your review and Letter from XXXX XXXX suspicious activity on their system and my name and social security number was present within the affected files. 
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 card

I made a payment on XXXX XXXX and I can prove it. 
Citibank failed to process my payment until XXXX XXXX and then charged me a {$37.00} late fee. I called Citibank to get them to reverse the charges and they refused. This exemplifies the unethical tactics of the banking industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the account that is still reporting on my report : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance Owed : {$0.00}