23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several disputes has been filed to have this item removed from my credit file. I never opened an account with XXXX or XXXX XXXX XXXX. 
Dates disputes has been filed with credit bureaus regarding this company was on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And this account still has not been removed from my credit file. I don't even use my credit for anything, I have a nothing on my credit file. I'm a XXXX year old XXXX XXXX, that don't even understand how to use my credit. Therefore, this account can't possibly belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account** Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. 

I have reviewed my credit report and noticed that your company is reporting a collection account that I believe to be inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. To assist you in meeting this request, please provide the following documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. The Date of Last Activity on the account. 
XXXX. Full, accurate identification ( e.g., my Social Security XXXX ) that XXXX help to identify me as the correct person you are attempting to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within XXXX  days that this account has been deleted from all credit reporting agencies, or provide the requested validation. 

Please understand that failure to comply with this request XXXX result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX shows a XXXX, this account has been on my report for seven years
Product: Debt collection

On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the debt that is said I owe from XXXX. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Consumer Collection Management failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX  ( Block, INC. ) due to inadequate customer service and unfair practices, that violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely manner to prevent any fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

User : XXXX On XX/XX/year> I Bought {$690.00} of crypto on their site they asked for a bunch more verification even though Im already verified and then they say theyre not allowing me to send or withdraw until support messages back. Their support is terrible and take forever to respond. There fees are also expensive compared basically every other crypto exchange. I shouldve never downloaded their app to begin with every other site doesnt care where or how youre getting your money this company wants every detail about your life. And I still cant access my money will be calling my bank if not fixed in the next 24hrs. Its been almost 5 days now. I thought they were trustworthy because of their good reviews but then I look at their bad and its users with the same problems no response after the first one
Product: Credit reporting or other personal consumer reports

Per the FCRA as a FEDERAL PROTECTED CONSUMER I am now given you written and nonverbal per 15usc 6802 now and forever.
Product: Credit reporting or other personal consumer reports

My Mortgage has been paid in full and still on my credit report as open and it should be closed. 

XXXXXXXX XXXX account number # XXXX
Product: Money transfer, virtual currency, or money service

I followed Geminin 's steps to link, add a bank account. They require a bank transfer for them to verify the account. I followed the steps, and my wire transfer was rejected/denied and transferred amount sent back to my bank account, I have asked many times for them to explain the reason for the return. I would like to start transferring money from my Gemini account to a registered bank account. They also mentioned that some banks don't need this verification process due to their affiliation. I have also asked if they can provide the names of banks that don't require this wire transfer process. I am not receiving any type of response. This is bad customer service! They don't have a telephone call center like my banks. Unfortunately, we have to wait for someone to respond to customer via email. Whoever oversees this company needs to check on how their company should be operating, treating customers? I was advised to try other crypto currently website. However, this particular one ( Gemini ) was referred to me by a friend. My family members and friends use bitcoin cryptocurrency. So, they wanted me to be able to receive bitcoin and be able to convert and send to my bank accounts to assist me with bills and other things. Gemini should be assisting me ( the customer ) with my inquiries. However they are not doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Preferred Credit Inc. Is reporting lates on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 and they are inaccurate. I recently took a look at my credit and noticed these lates reporting. However, when I go this account I set it up to auto draft and have never had an issue. However, my bank statements show that payment has been drafted from you but I'm not sure why late notations are reporting. My payments have always been on time, this is not my error and they must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect account status, incorrect monthly payments, incorrect date of last payment, incorrect account type, incorrect date last active. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Product: Debt collection

I recently received a fraud alert on my credit report for 3 collections placed by XXXX XXXX for the following amounts : {$95.00}, {$130.00} and {$830.00}. I was a part of the XXXX  breach and previously had issues with identify theft. I sent out a letter to the company for debt validation on XX/XX/XXXX but did not receive a response back.
Product: Payday loan, title loan, or personal loan

I purchased a new bed fro m Conn 's   XXXX , LA store in  XXXX  of  2017 . At the time of the purchase, I was shown a balance owed of  XXXX . When I received the invoice 2 days la ter ( an d after delivery ), the invoice showed a balance of  $ 1300+. I contacted Conn 's, w ho told me that there was insurance added to the bill. I remembered at that point that during the signature process ( which was done on a tablet ), the salesman conveniently expanded the screen so I could n't read what I was signing. I asked why and was told it was required, unless I had proof of homeowner 's insurance. I rushed to the store to provide it, to be told that they 'might ' remove it, but that it would n't change the payments . After 2-3 weeks of conversing with the company daily, I was finally told it was removed after 2 weeks. When I looked at my account, there was a small charge for interest for the time the insurance was on the bill. I then asked for a full accounting of the account, including when I would stop making payments. I a lso asked them to refund the interest amount on the insurance, which was refused. I have refused to make payments on the bed because none of this has been done, and I simply do not trust the company at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX You are in Direct Violation of The Fair Credit Reporting EDFINANCIAL SERVICES L has violated several of my rights! 

15 U.S.C 1681 section 602 A. Clearly states that I have right to my privacy.

15 U.S.C 1681 section 608 A. Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I was called on XXXX  2023 by an ace rep to inform me my account have been compromised and the account is closed and a check with my balance will be mailed out. I been calling every other day to check the statues and was inform I cant get a check mailed to me that they will send it back to the depository. I ask why cant I just go to a local store to get my money I worked for and was on the account they say because the account is closed. So then I call again and was told I would need to send my ss card DL and proof of residency to XXXX to have a check mailed out to me on XX/XX/year>. I received an email saying they received documents so I called back and was assured I will receive a check since I sent in the required documents and to allow XXXX business days. I call on XX/XX/year> they saying I cant get a check it has to be sent back to the depository and need more documents sent in. talk to mark supervisor on XX/XX/year> @ XXXX I am still trying to get my money back from the company and they are still giving me the run around. {$670.00} is a lot of money to just let go when you work hard for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to fix an error with Equifax relating to an inaccurate account. The account in question is XXXX XXXX. I have disputed this account due to the inaccuracies reporting. Equifax has failed to follow FCRA laws relating to accurate reporting related to this account. Date assigned is inaccurate, original amount is inaccurate, late payment date is inaccruate. Most importantly, there is improper reporting across the three bureaus. XXXX and XXXX don't even have data relating to the said account. Under FCRA, I am requesting this account be deleted. This account has impacted me in obtaining credit from lenders.
Product: Debt collection

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon receiving debt collection efforts from Hayt, Hayt & Landau PL, I have specifically requested that they provide me with a copy of the agreement authorizing Hayt, Hayt & Landau, PL to collect debt on the behalf of XXXX XXXX and a copy of the original contract I signed with XXXX XXXX bearing my signature. I sent Hayt, Hayt & Landau, PL 3 requests for this information on XX/XX/19, XXXXand XX/XX/19. Each of their responses purposefully ignored those requests and only sent a slew of bills from the original creditor to myself. THIS DOES NOT SUFFICE AS VERIFICATION OF DEBT. Attached, you will see all 3 requests Ive made for proper verification and their same response which is the slew of bills from XXXX XXXX. I believe they are violating the law.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having significant funds when transactions were authorize, I was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient funds balanced despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions Into my account transactions account transactions.
Product: Debt collection

The {$280.00} balance has been paid since at least 2013 and should no longer be reflecting on my credit. I have a paid letter and have submitted it via mail to all bureaus, but it was returned from each XXXX. Please help.
Product: Mortgage

Tried to contact my new mortgage servicing company ( Fay Servicing ) that purchased my loan from XXXX XXXX XXXX. Per their website XXXX I attempted to call them during normal business hours at XXXX at XXXX XXXX central time or XXXX XXXX local time ( mountain ) and the phone message says they are currently closed and gives normal business hours that also say they should currently be open. In addition the mail box for leaving a message so someone can call you back on the next business day is full so I can not even leave a message to have someone contact me. Being closed when you are supposed to be open to help customers makes it very difficult to do business and get help solving issues especially for a customer that just had their loan transferred from a large financial institution to one that has never been heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : capital one Account number : ending in XXXX You're reporting a late payment in XXXX, XXXX and XX/XX/2020 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from exposure during the XXXX and Equifax data breaches. As a result, two fraudulent accountsXXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXXXXXX XXXX XXXX  ( Account # XXXX ) have been reported on my credit file with DataX. I submitted a formal dispute under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), providing all required documentation, including an identity theft report, government-issued ID, and proof of address. Despite these submissions, DataX has failed to block the fraudulent accounts within the legally mandated 4 business days, causing ongoing harm to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, Transunion has been a thorn in my side. From incorrect reporting to their refusal to remove addresses and personal information, I am a consumer at wits end with this company. 

According to the FCRA, items that were discharged in bankruptcy are supposed to be updated to a " paid, closed '' status. 

Transunion has ALL of my accounts included in bankruptcy listed as derogatory, which makes it seem like I have issues that I really do not. They are also listing accounts past the regulated 7-year period ; in fact, they have advanced the age of several accounts. 

These accounts must be removed due to age : XXXX XXXX   XXXX - XX/XX/XXXX is the correct date { XXXX XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX  XXXX - XX/XX/XXXX is the correct date Furthermore, during a phone call on XX/XX/XXXX with a representative, the following inquiries were to be removed as they do not meet the standard of permissible purpose. The companies I mailed did not respond to me. 

XXXX - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX   - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX/XXXX   - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX   - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX Finally, these addresses are not associated with me : XXXX XXXX XXXX XXXX XXXX IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX FCRA 617 outlines the remedies available to consumers should Transunion stall, fail to comply or blatantly ignore my requests. 

Remember, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Because the digital era has opened up CRAs to fraud and data breaches, I do not trust E-Oscar and therefore want physical verification ( signed contracts, proof of applications ) that inquiries and current accounts are being displayed as they should. 

This complaint is an addendum to the complaint submitted to Transunion via USPS Certified Mail, which was received on XX/XX/XXXX.
Product: Debt collection

According to Professional Credit Management XXXX XXXX  an account was opened in my name for non payment of medical debt on XXXX XXXX XXXX. Upon first contact with Professional Credit Management I informed them that I was making payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that no further correspondence should be made over phone. I explicitly informed them to direct any further correspondence via mail. This request was not followed and I continued to receive harassing phone calls. 

According to Medical Debt Relief Act of 2016 all credit reporting agencies are required " 180-day waiting period before medical debt will be reported on a consumer 's credit report and removing paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act by providing for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. '' I paid off the Medical debt prior to the 180-day waiting period and yet my account shows a paid collection account. Professional Credit Management has unlawfully affected my credit score resulting in denial for health insurance on the basis of unpaid medical debt.