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

It saddens me to say that my rights under federal law are being violated and not respected. The law isn't being respected either, this company has been hindering information on my credit file for quite some time. Congress clearly created the Fair credit reporting act to ensure consumers were being treated equally and fair. The law states under 15U.S.C.1681 section 602A I have the right to privacy. The law also states under 15U.S.C.1681 section 604 ( a ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of to whom it relates. I have never gave any consumer reporting agency permission to furnish anything on my report. I have been a victim of identity theft and in the fair credit reporting act the law clearly states under 15U.S.C. 1681 section 605Ba consumer reporting agency shall block the reporting of any information 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. SEE ATTACHMENTS BELOW
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Jefferson Capital XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX XXXX Dear Jefferson Capital, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This prof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the Statute of Limitations has not expired on this account. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act.

b ) Defamation of Character. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a payment on the due date, XX/XX/2020. There was a error during the payment processing and the website would not allow me to revisit the payment page to initiate the process again. The site was routing me to a page asking to verify my email and phone number, however it would not allow me to do that either. So I call Sam 's club credit/Synchrony and they indeed verify the payment was submitted but there was probably just a site error. Fast forward to today XX/XX/XXXX, I received an email saying I was past due for my payment and now I owe two months plus the late fee. So I call Sam 's club credit/Synchrony again and they refused to accept my issue, dismissed my story completely. They have no record of my payment or phone call. They still make me pay the full balance due ( XXXX+XXXX+ late fee ) but agree to credit my account the late fee. However due to their error I'll be paying for it and could affect my payment history and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both Equifax and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Debt collection

I do not know anything about XXXX XXXX. It lists the account status as Closed, therefore I should not owe any {$750.00} and it should be taken off my credit reports. Also Mr. XXXX XXXX, A debt consolidator, consolidated and paid off my bad debt.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX an unauthorized automatic payment purchase on my Paypal credit acct. 1st payment made, then autopay was then canceled. Also received email of unusual activity on account. XX/XX/XXXX their were 2 people that had money sent to them. Both for $ XXXXAnother person purchased something for {$85.00} an I was refunded. I tried to call Pp you can't. Got on chat, reduced amount available. I wanted it locked!! Changed pswrd multiple times. Another email unusual activity on acct. Removed all cards linked to acct. XX/XX/XXXX!!! even after removing all ACCTS. 2 PEOPLE WERE SENT MONEY {$80.00}. I was even emailed they " broke my security questions '' and still they did nothing to shut it down now! This was all done on Pp credit. One was canceled One stopped auto pay the rest were denied. Including after I pulled linked accts.
Product: Credit reporting or other personal consumer reports

Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. Documentation highlighting my responsible financial behavior and positive credit history. Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. I formally request an immediate and thorough investigation into this matter. Kindly help me remove the following items immediately : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

They didn't put up proper safe guards and left me and my money at risk. Not have customer protection before any transfers were sent.so that definitely put my funds at risk big time wit XXXX and I dont feel like my funds are protected like they should be.. so XXXXm putting in a claim.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is
considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!! 
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!! 

These accounts should not be furnished on my consumer report as they are in VOLATION!!

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


1.XXXX XXXXXXXX 2XXXX XXXXXXXX XXXX 3. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 am not liable for this debt with XXXX XXXX and XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested
Product: Credit reporting or other personal consumer reports

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX
Product: Credit card or prepaid card

I have a withdrawal of {$390.00} for a purchase on XXXX that I did not make, dated XXXX/XXXX/2022. 
I have been trying since that date to get my money back because my bank information was stolen but the Bank told me many times that my complaint is still pending verification. Ive changed my account 3 times and finally I asked to deactivate my credit card. My banking information has been stolen and I reported it from day one.
Product: Debt collection

I am a victim of identity theft which is causing fraudulent accounts to show up on my credit report. My consumer rights are being violated. I know it is illegal to attempt to collect an fraudulent debt when the company know the debt is fraud. I have informed these companies that I do not owe the alleged debt and it is fraudulent. I demand that they remove these fraudulent accounts from my credit report and cease and desist all forms of communication. I have attached my drivers license and FTC Identity Theft Report as well. Please help.
Product: Credit card

I purchased a dualfuel stove from XXXX to be delivered on XX/XX/2024 puchase price {$1800.00} + XXXX delivery. Once delivered I realized that my house 's electrical would not support this model. I initiated a refund and purchase of a gas stove purchase price XXXX + XXXX delivery to be delivered on XX/XX/2024. This is within XXXX 's XXXX return policy on appliances. During the delivery of the second stove on XX/XX/XXXX XXXX removed the stove that was delivered on XX/XX/2024. Upon receiving my credit card statement at the end of the month I noticed that the Dual fuel stove {$1800.00} was still on my credit card statement. I called the retailer and filed a credit card dispute with Chase. Chase initially credited the XXXX price of the stove. Upon receiving this month 's credit card statement I noticed that Chase had settled the dispute in the retailer 's favor, because the retailer failed to document picking up the stove they delivered on the XXXX of XXXX during their second visit on the XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated no.39 of the contract which states any changes in this lease must be in writing and signed by you and Assignee. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully haXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account removed from my credit report. 

On XX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX. 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XX/XX/XXXX. 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at 9pm!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
Product: Credit card

Milestone card is charging so much {$250.00} anual fee, I have two accounts with them. The first account they charged me {$170.00}, the second one they are charging {$250.00}
Product: Credit card or prepaid card

I applied for a United Mileage credit card while I was purchasing a ticket on united. 
The application was not approved on line. 
I realized that I had put a freeze on my credit report which was why the application did not go through. 
I lifted the freeze on the credit reporting and applied again and it was declined again. 
I kept receiving a succession of letters from Chase bank asking me to call them. 
I called them 4 times, each time having to wait for over half an hour to get to talk to them. 
Each time I had to lift my credit freeze so that they could access my credit information. 
Each time they told me that was all they needed. 
I explained the reason why I had reapplied for the card. 
They kept sending me similar letters. 
They assessed my credit report 3 times and as a result my credit score fell XXXX points. 
They had already decided to deny me the card because of multiple applications. 
There was no need to send repeated letters and repeatedly look at my credit report. 
I do not know if my last name of XXXX had anything to do with their decision. 
I consider their treatment not only harrassment but it also deprived me of getting a united card with the benefits it provided. I have had chase accounts before both as credit cards and car financing and my credit score was no reason for them to decline my card.

I am attaching copies of all the letters sent me as well as the effect on my credit score as a result. 
My email is XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was messaged on XXXX  on XX/XX/22 by a user who has since deleted the account. They claimed that they would send me money if I send them my XXXX. They claimed that there is a processing or authorization fee for the money to go through. At first it was a {$50.00} fee in order for me to receive {$2000.00} immediately. I sent the {$50.00} on XXXX  to the user $ XXXX as they told me to. Then they claimed that {$100.00} was still needed to process in order for the {$2000.00}. They claimed that they would send me {$2200.00} instead since I now had to pay more. So I sent {$100.00} to the same XXXX  $ XXXX. And they just kept tacking on more money that they were going to send me, which required more processing/authorization fees of larger amounts. The next payment they requested was {$150.00} to be sent to $ XXXX with account name XXXX XXXX. I also received a legitimate looking email with a picture showing that they had already sent {$4000.00} to my Zelle but it showed it needed higher fees still. I ended up sending them money a total of XXXX separate times totaling {$3400.00}. The individual transactions are as follows : - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$69.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$400.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$550.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$500.00} sent to XXXX via XXXX Pay - {$700.00} sent to XXXX via XXXX Pay - {$50.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$100.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$150.00} sent to XXXX XXXX ( $ XXXX ) via XXXX {$200.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  I would also receive texts from XXXX ( claimed to be the lawyer ), XXXX ( claimed to be XXXX of XXXX XXXX ), and XXXX ( claims to be XXXX XXXX ) regarding the transactions.
Product: Credit card

The following account is hurting my credit rating, credit standing, and credit capacity Wells Fargo [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.
Product: Debt collection

I have asked Modern Adjustment Bureau to validate XXXX accounts they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. I am in the real estate business and my credit is important to me and the XXXX marks against me are costing me dearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

Recently filed a claim with CFPB in reguards to this same account. This account Was is fradulent and does not belong to me. I sent the theft packet and required documents back after receiving it and it havent heard anything back until i noticed this account was reporting back on my credit report at the beginning at XX/XX/XXXX. This account was previously removed from my credit report. I am in the process of purchasing a home and this is hindering me from being a homeowner. As stated before this account is fradulent and i shouldnt be punished for something that does not belong to me. Attached is a copy of my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to PNC multiple times regarding this dispute that I did not do. My dispute was not properly investigated I also went into the branch multiple times and called over the phone. I also called over the phone and filed multiple disputes. 
. I I believe that this was part of a data breach which caused my credit score to drop over charges that wasnt properly investigated.