23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS COMPANY IS FRAUDULENT!!!! THEY CLAIM THIS IS PAST DUE DEBT. I CONTACTED THE COMPANY THEY CLAIM TO BE REPRESENTING " XXXX XXXX XXXX XXXX XXXX '' I SPOKE WITH A NICE PERSON NAMED XXXX, WHO LOOKED INTO THIS. SHE STATED, " THERE ARE ABSOLUTELY NO OPEN OR CLOSED ACCOUNTS, OR ACCOUNTS THAT SHOW PAYMENT IS DUE ANYWHERE IN THEIR SYSTEM FOR ME, PAST OR PRESENT!!!!! SHE ALSO STATED THAT IT DOES NOT SOUND RIGHT THAT THIS COMPANY WOULD STATE THAT THEY GAVE THEM THE DEBT WHEN THERE IS NO DEBT OWED TO THE HOSPITAL BECAUSE EVERYTHING WAS PAID OFF. THIS COMPANY PURCHASED ACCOUNTS THAT WERE ALREADY CLOSED, WHICH IS ILLEGAL. AND THEN PROCEEDED TO PUT THEM ON MY CREDIT REPORT. XXXX XXXX NEVER ONCE SENT ANYTHING TO ME IN THE MAIL, VIA EMAIL ; THEY ALSO NEVER ONCE CALLED ME TO ASK ABOUT THIS DEBT. I AM BEYOND XXXX OFF THAT THEY ARE ALLOWED TO XXXX UP SOMEONE'S CREDIT LIKE THIS. THIS COMPANY AFTER DOING RESEARCH IS INVOLVED IN NUMEROUS LAWSUITS FOR THE SAME PRACTICE THAT I AM GOING THROUGH. THERE ARE NUMEROUS COMPLAINTS FROM PEOPLE WHO ARE GOING THROUGH THE SAME SITUATION THAT I AM GOING THROUGH. I DO NOT KNOW HOW THEY ARE STILL IN BUSINESS. I AM IN THE PROCESS OF CONTACTING AN ATTORNEY TO BEGIN A LAWSUIT. I WAS IN THE PROCESS OF PURCHASING MY FIRST HOME, AND THIS COMPANY 'S FRAUDULENT ACTIVITY CAUSED ME TO BE DECLINED FOR THE HOME LOAN. THIS IS NOT THE FIRST TIME THIS COMPANY HAS DONE THIS. THEY HAVE BEEN ON MY REPORT BEFORE AND WHEN I REPORTED THEM AS FRAUD. THEY IMMEDIATELY REMOVED THE AMOUNTS. THEN A MONTH LATER THEY CHANGE THEIR NAME AROUND AND DROP MY SCORE. THEN I COMPLAIN AND THEY REMOVE IT. I AM SICK OF PLAYING WITH THIS FRAUDULENT COMPANY. SOMETHING SERIOUSLY NEEDS TO BE DONE. I WILL ALSO BE CONTACTING THE MEDIA ABOUT THIS COMPANY, BECAUSE THIS SCAM HAS TO STOP. WHEN YOU CONTACT THIS COMPANY THEY ATTEMPT TO USE BULLY TACTICS TO GET YOU TO PAY FOR SOMETHING YOU DO NOT OWE, BY SAYING THEY WILL PUT YOU IN PRISON, AND TAKE YOU TO COURT AND SUE YOU. WHEN I STATED THAT I CALLED THE COMPANY THEY CLAIMED TO BE " REPRESENTING '' THEY IMMEDIATELY GOT AN ATTITUDE AND SAID THE COMPANY WAS LYING, AND THAT I BETTER GIVE THEM MY CREDIT INFO OR I AM GOING TO JAIL. I SHUTTER TO IMAGINE HOW MANY ELDERLY OR YOUNG PEOPLE THEY HAVE SCAMMED. THIS NEEDS TO STOP NOW.
Product: Vehicle loan or lease

I have asked CHASE to VALIDATED these accounts this is my 2nd Certified letter to them and all 3 credit bureau 's as I have requested an Certified Copy of the accounts that shows it has been VALIDATED with Certified Copies of the TRUE BILL these request has been refused as they are stating it has been VALIDATED & TRUE BILL has been voided I NOW DEMAND I BE SENT COPIES OF ALL ACCOUNTS TO BE REMOVED OR VALIDATED & CERTIFIED COPIES OF THE TRUE BILL & VALIDATED ACCOUNTS BE SENT TO ME ASAP TO POST OFFICE BOX XXXX XXXX XXXX CALIFORNIA XXXX along with sending copies to me at XXXX ASAP they has responded to Experian stating acct was VALIDATED ON XX/XX/2018 I'm in New York I'm unable to check my mail I herby demand copies of the Certified TRUE BILL & Accounting & the VALIDATED accounts be sent to me ASAP to my email address @ XXXX and I'm Demanding the 2 original instruments ea. for {$7800.00} be returned they were kept and I was sent back copies ( receipts ) back if they weren't used why were the original kept stating they were non-negotiable but they were kept ... FRAUD they were signed in blue ink by the living man they owe me {$15000.00} with interest or send back originals instead they sent back copies ... I will be filling a claim/lawsuit against CHASE BANK I'm writing and making a valid complaint to be on file that I have did everything to settle this matter and to prove my standing in Equity Court as this is FRAUD CHASE BANK has said that the accounts were VALIDATED and has refused to send me the proof as I have requested by certified mail # 2 times all of the accounts from CHASE Bank I HERBY DEMAND TO BE SENT ALL ACCOUNTS THAT HAVE BEEN VALIDATED WITH CERTIFIED COPIES OF THE TRUE BILL ( 1 ) CHASE BANK {$7800.00} # XXXX ( 2 ) CHASE BANK {$5300.00} # XXXX ( 3 )  CHASE BANK {$840.00} # XXXX ( 4 ) CHASE BANK {$2100.00} # XXXX I demand the VALIDATED account information and Certified Copies of the TRUE BILL to show these accounts belong to me the living man, ALL ACCOUNTS WILL NEED TO SHOW MY ORIGINAL ( WET SEAL SIGNATURE ) on all documents ( NO COPIES ACCEPTED ) I will be filling a lawsuit within 15 days of this complaint and reply for CHASE BANK send all information and updates to my email address and by mail to XXXX address change and update to XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX UCC 1-308 WITHOUT PREJUDICE I'm out of town due to this I need all replies to be sent NY mail and email
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious about the Equifax Data breech reported to consumers on XXXX/XXXX/XXXX. They are suppose to protect our information as they distribute this information to various financial companies when consumers apply for credit cards, home loans, etc. The very people that hold our very confidential data did not protect us, yet now they say sign up for protection? How ironic. I demand that Consumer Protection go after these people and make them pay for the lack of integrity and responsibility in allowing such a breech to occur. They should be made to pay for this dearly. Yet it will be the individual consumer to be held accountable if their information is used to set up fraudulent accounts. Please be assured that I will also be contacting my senators to complain about such a horrific event that basically opens us all up to potential financial risk without much in regard to individual consumer protections, Outraged in Tennessee
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the three credit report agencys. equafax, XXXX, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or a list of 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 XXXXXXXX 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 or 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I reach out to the credit reporting agency XXXX, XXXX, and XXXX and notified them that this account with XXXX XXXX XXXX if fraud. I never open or had account with this company. I sent letters requesting the information be remove. I also stated that this fraudulent information is hurting my credit. 

XXXX Total balance : {$1300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

On or around XXXX to XXXX, Eye saw alot of free approvals on credit karma and Eye still get these notices sent to my email currently. Eye would pay such notices no mind until recently Eye was made aware via social media that the Federal Trade Commission ordered Credit Karma to pay out {$3.00} XXXX for false claims regarding credit scores. Credit Karma has continued sending me pre-approval for credit cards informing me of being pre-approved for credit cards, personal loans and car insurance offer. Everyday Eye would see offers whenever Eye would log in to check my credit score. After a months or so of being informed via email that Eye was pre-approved, one would only assume that they are in fact positioned in such the perfect place to apply. Eye received several offers through credit karma and Eye started making plans to do things with my family that Eye wasn't able to do before hand with being pre-approved for credit cards etc. Eye applied for loans and have been denied. Not only is this false and misleading, unfairness and abuse but it is also deception. Employees of Credit karma telling me that Eye was approved not only constitutes lies and deception but using someones personal information to pre-approved them for something constitutes identity theft. Such events cause stress, XXXX and XXXX which is one of the reasons Eye go to therapy. These events are the reason many people are poverty stricken and they give up on life because of having their personal information stolen that benefits others and not the original beneficiaries.
Product: Checking or savings account

XXXX thought I was giving the person some money and the later found out it was a scam. I told Bank of America about and they said that cant do a thing about it. 
It started back at XX/XX/2021 and I last contacted the XXXX
Product: Debt collection

I previously disputed this debt with   XXXX   XXXX   on   XXXX   XXXX   via certified letter to the Credit Bureau and   XXXX   XXXX  . I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 EXPERIAN XXXX XXXX XXXX XXXX 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 MAXIUM POSSIBLE ACCURANCY OF THE INFORMATION CONCERNING THE INDIVIUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681 AND ACCORDING TO 15 USC 1681 THEY ARE SUPPOSE TO DO THIS TREATMENT OD INACCURATE OR UNVERIFIABLE INFORMATION IN GENERAL .AFTER ANY REINVESTIGATION UNDER PARAGRAPH XXXX OF ANY INFORMATION DISPUTED. 

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

Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$390.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone stole my Experian account and used it to open a checking account with Experien 's XXXX. I tried to call Experian to have my account reset but I could not get a live agent. All it would do is send me around in circles. The request to reset the password sent the reset to the hacker 's account.
Product: Debt collection

I was a victim of identity theft that started in XXXX and discovered in XXXX. There were a number of accounts that were opened in my name without my knowledge. After the identity theft was discovered, the police was notified and an investigation was opened in XXXX County Illinois. I checked my credit report when I discovered that most of my accounts were compromised and significant fraudulent charges were placed on my existing credit cards and new online loans were opened in my name fraudulently. 
I contacted all my credit cards providers and was able to resolve the situation where they closed the questionable accounts and work with me to fix the situation. 
My complaint is with one credit collector by the name of NCB Management Services that has not been responding to my request to remove the collection report that they are continuously reporting on my credit report ; this causes my credit score to be negatively and severely affected ; this has caused a significant affect on my financial reporting and has caused hardship due to the fact that I am unable to receive a mortgage to buy a home. 
I contacted NCB Management Services and they are refusing to remove the inaccurate and fraudulent report from my credit report. They were not able to prove that the alleged debt is mine ; they keep sending me generic paperwork that does not prove that the debt is mine and they are unable to ascertain that the debt is mine. Anyone with access to a computer and my information could have easily applied and received the alleged loan. 
I am kindly requesting that you contact NCB Management Services and help me to resolve this matter as quickly as possible and force them to remove their account from my credit report.
Product: Credit reporting or other personal consumer reports

i sent transunion a letter disputing the accuracy and completeness of the accounts and they has failed to validate the inaccurate information on my credit report. I am requesting deletion of the inaccurate and incomplete accounts from my credit report within 14 days of them receiving my complaint. They has cause me stress and loss of work because i keep getting denied for things that reporting on my credit. i have attach a copy of the letter below for your reference. 
XXXX XXXX XXXX has 2 different balances and missing data making it inaccurate on both credit bureau- Transunion and XXXX- please delete 15 usc 1681e ( b )
Product: Debt collection

they keep calling me about a 10 year or older debt that I have repeatedly told them is not mine
Product: Credit reporting or other personal consumer reports

There are fraudulent hard inquiries on my credit report. Please remove these inquiries immediately. 
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

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX None XXXX Inquiries XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Name : XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX Phone # : XXXX XXXX XXXX XXXX Dispute I purchased a service from XXXX that was not fully provided. The service was for teeth straightening and would include physical aligners, dental checkups, a dentists oversight, retainers, refinements, and additional aligners as needed. I signed up for this service in XXXX of XXXX. They Initially gave me a 6 month treatment plan. After finishing all the aligners, my teeth were still extremely crooked. They were nowhere near straight. They had guaranteed me that my teeth would be completely straight in the end. After showing them my teeth were still extremely crooked, they made me an appointment in store for a rescan. They rescanned my teeth and sent me more aligners XXXX XXXX weeks later this is what they call a touch up or refinements. I did this over XXXX more times with them for the next 3 years. On XX/XX/XXXX I was approved for another touch up because my teeth still werent straight. They had emailed me stating they were making me more aligners. They also gave me a short video which is called the smile journey, it shows what my teeth look like now and how they will look after going through all the aligners. Some time had passed and I never heard from them, then they sent me an email saying they were closing and they would not send my aligners. I have not been able to reach a single person by phone, email, or through their website. My teeth are still crooked and XXXX did not honor their guarantee to me. They are not sending me any more aligners, I never received my final retainers because my teeth are still crooked, I have no way of getting dental checkups and there is no more dentist oversight. Please see the attached files as evidence. 


CITI HAS REFUSED TO HELP ME, THEY HAVE GIVEN ME THE RUNAROUND FOR A MONTH. ONE PERSON TRASNFERRING ME TO THE NEXT ITS RIDICULOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a collection from XXXX in the amount of {$460.00} was reported n my Equifax report. I reached out to Equifax to dispute the account being reported. I was advised to reach out to the creditor ; I then spoke with the collection company who then advised me to speak with the creditor of which I did who couldn't provide me with proper identification that the account was validated to be mines and to reach out to the credit reporting agency Equifax. I reached back out to Equifax who advised me to file a FTC report. I have filed a FTC report, I have then reached back out to Equifax on severals times to check the status of the disputes. They will advise me to file a new FTC report to reflect different things. On XX/XX/2021 I contacted Equifax again and the rep stated that because I didn't put a period on one of the sentences that they wouldn't accept it. I then updated the FTC report and faxed over. I contacted Equifax on XX/XX/XXXX, XXXXand the rep told me she sees all the required documents they requested and that they mishandled the information and unfortunately she couldn't remove the information off my report. I then reached back out to the same day and spoke with the Supervisor XXXX who then stated the samething and advised me to update my FTC to reflect the account number of the collection. I advised him that his issue has been an ongoing situation and I needed this to be rectified asap. I updated my FTC report to reflect everything that was advised to do but Equifax has filed to properly handled my file.They had prolonged the investigation of my file.