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

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 Re : Request for Removal of Inaccurate or Negative Accounts from My Credit Report Account Number ( XXXX ) XXXX Date of XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate or negative information regarding the following account ( XXXX ) on my credit report. Upon reviewing my report, I have found errors or outdated information which I believe is not in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information on consumer credit reports is accurate, complete, and verified. If an item is found to be inaccurate or unverifiable, it must be removed. Furthermore, under the case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that reporting agencies are obligated to investigate disputes promptly and correct inaccuracies. 

I request that you investigate the following disputed accounts and either provide verification of their accuracy or remove them from my report : XXXX. XXXX XXXX XXXX account was reported as fraud. even doe this account is in good standing on my credit report i need it remove this was done by a family member when i found out about the loan being in my name. I confronted the family member and it was also reported to the police and the XXXX court service. attached is the court document. 

XXXX XXXX XXXXXXXX : Remove due to account amount being in accurate and that is proof attach showing the amount that was left to be paid on this account. The reporting amount is {$2300.00}. 
XXXX. XXXX XXXX : This account balance was paid in full for the amount of {$220.00} and this account was close or transfer to a new apartment with a XXXX balance. Attach is the letter of proof showing the last mouth and closing date of this account. 
XXXX XXXX XXXX XXXX : this vehicle was charges off due to an accident. XXXX XXXX charge the account off without sending me a XXXX i have called numerous time requisition the proper documents but they fail to give me any accurate information. 
If you can not provide evidence of the accuracy of these accounts, I ask that you remove the entries from my report to comply with the guidelines set forth in the FCRA and as supported by the decision in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where the court affirmed that if a credit reporting agency fails to investigate a dispute or remove unverifiable information, the consumers credit report must be corrected. 

Please respond in writing within 30 days of receipt of this letter, in accordance with the FCRA. Should you fail to respond, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Re : Midland Funding , LLC Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted Midland Funding , LLC ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that Midland Funding LLC would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to Midland Funding in XX/XX/XXXX, over the phone. 
Midland Funding LLC stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX, a debt collection agency that has violated my consumer rights as protected under the Fair Debt Collection Practices Act ( FDCPA ). I believe that this agency has engaged in deceptive and prohibited practices by listing and attempting to collect a debt they do not legally own. Despite request for verification and validation along with proof of alleged debt via certified mail, XXXX stated they are not required to send notices through certified mail. 
XXXX has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ). Based on XXXX 's response to the CFPB complaint submitted on XX/XX/year> ( document attached ), XXXX is not the owner of the account and should not have sent nor listed the account to be reported to my consumer reports thus damaging my credit, adversely affecting my XXXX XXXX and causing significant undue stress by violating my rights. In my previous complaint, I revoked all rights of XXXX communicating through email/text/telephone calls. On XX/XX/year>, I received a voicemail from XXXX which is a violation of my rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$2500.00} XXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX XXXX- {$340.00} XXXX XXXX - {$160.00}
Product: Checking or savings account

My wife and I are both unemployed due to COVID-19. We currently have 3 accounts with BBVA USA. Since XXXX which is the start of COVID, there have been charges for overdraft fees in the amount of {$960.00} just on one account. These came without the bank making a single phone call. We also have overdraft protection on the accounts which it turns out was a bad decision because if they had denied payment, none of my other creditors have charged a fee, meaning the payment just wouldnt have gone through, however, BBVA still would have charged the overdraft charge. ( What is the overdraft protection for????? ).
Product: Credit reporting or other personal consumer reports

I have paid off several accounts on my credit listed as collections or open unpaid accounts and it has been over 30 days since then. Each account is still listed on my credit report and my score has been negatively affected by this collection and the XXXX credit bureaus refusal to update my XXXX XXXX by removing them by my background as they should. Per XXXX5 US Code 1681 & the FCRA laws, anything that is negatively affecting my credit must be removed immediately. 

I have paid off and was told these collections were going to be removed from my credit report within 30 days. I made payments on XX/XX/year>, to the agencies listed below with confirmation numbers as well. Please have these removed from my background with all XXXX credit bureaus : XXXX, Experian XXXX XXXX. I have listed XXXX disputes as well as my XXXX disputes to show that they are not honoring the Federal Laws for we the consumer. 
XXXX XXXX Account : XXXX - Paid {$650.00} - confirmation # : XXXX XXXX XXXX  XXXX Acct XXXX XXXX - Paid $ XXXX confirmation # XXXX XXXX  : Paid {$460.00} - Confirmation # XXXX XXXX  -Paid {$280.00} - Confirmation # XXXX XXXX XXXX - Paid {$480.00} - confirmation # XXXX They sold acct ending in XXXX on XX/XX/year>, to XXXX XXXX for collections as well XXXX That is against federal law. 
XXXXXXXX XXXX - Paid {$630.00} - Confirmation # XXXX XXXX XXXX  - Paid {$170.00} - Confirmation # XXXX
Product: Mortgage

Requested mortgage assistance options in XXXX 2015. I am in XXXX Bankruptcy. My Bankruptcy attorney received a letter on XXXX requesting all the information I had previously provided. I contacted the lender, Chase, on XXXX occasions by fax and email the same day I received the letter from my attorney. I received XXXX letters from Chase with XXXX subsequent date commitments to respond that were pushed out each letter. The last date has come and gone, so I called and emailed the Chase representative and have still not received a response. I am 19 months behind on my mortgage and not living in the house, nor can I pay the mortgage. I am willing to relinquish the home, conduct a short sale, or complete a foreclosure. I need the house disposed from my assets before the XXXX is complete.
Product: Debt collection

This company LVNV FUNDING LLC is still reporting this account to XXXX, XXXX  and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report. I dont want this company saying that this isnt me, doing this complaint because it is I.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in 15 usc 1681 ( a ) ( 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 ''. I have numerous inaccurate information on my credit file, resulting in me not being able to exercise my consumer rights. which is a direct violation of the FCRA.
Product: Checking or savings account

On XX/XX/2023 Direct Express let XXXX take XXXX from my account for a year and half while i had no XXXX XXXX to use the XXXX account. i was homeless and on XXXX. i called to find out where the money was going and was asked to provide proof to the bank that i had no way of using the service i was being charged for. i explained imXX/XX/XXXXhomeless and dont even have a place to plug a video console in. I asked XXXX through a call and email to immediatly stop taking the money from my account. they continued to do so for XXXX months in XXXX of 2023 i furnished proof of the emails to the bank showing that XXXX stated they would stop despite still taking money. Direct express uses a joke of a dispute process for thier customers to go through because they profit off sending out new cards. XXXX recently took XXXX from my account unauthorized. I immediatley called on a recorded line so they say. They specifically asked if i wanted my card cancelled i said no and they cancelled it anyway. i was not able to be refunded the money then. they asked if i wanted time to get my last XXXX out then they would cancel it i said yes for sure and they cancelled it anyway. i was told i would be charged XXXX for a new card i was charged XXXX total. i furnished copy of a police report id and an affidavit as they had asked for spoke to numerous supervisors. this happend on the XXXX of the month and i still do not have my money back. how is money federally insured by and through federal benefits and this company gets away with letting people steal from XXXX individuals so they profit.. i would like to know how many new cards they send out a month due to their own purposeful negligent " mistakes ''. THEY then had my card declined while trying to get gas on the XXXX with money in there. that is now conveniently on a hold and my account is XXXX  i have to wait for that is well. why do i have to suffer because of their purposeful negligence? When does it end. where is money?
Product: Checking or savings account

My name is XXXX XXXX and I have been a loyal customer with PNC for the past several years I have both personal and business accounts with them including vredit cards and lines of credit. 

On XX/XX/XXXX, I noticed several transactions in my checking account from pay for donations to an individual in the XXXX. 

This individual somehow was able to comprimise my XXXX account and send multiple donation to himself over the course of 3 months for almost $ 11k. 

I immediately noticed PNC bank of this and the closed down my card and began an investigation. However in less than 2 weeks XXXX presented the sellers side of the story which was : showing screen shots of the money being received and someone posing as me without mt name or email address. 

Thank him for absolutely nothing. I have been a member with XXXX sine XXXX. And this is the worst think they couldve done to me. 

My bank has claimed sine they can not raise the issue with XXXX, i need to get my money back ASAP. 

And look forward to your help. 

XXXX, XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

( Below is the last correspondence I sent to the company ) This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response dated XXXX failed to provide me with validation and instead asked that I provide you with information. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ 1,000If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within XXXX weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. 

If you fail to remove the account, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The California Attorney General 's Office. Thank you and I look forward to resolving this most expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with XXXX today XX/XX/20 and I was not approved because there are 4 accounts in negative standing appearing on my credit. I was not aware these accounts were on my credit report before today because I did not open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX/XXXX. I don't know why these accounts are on my credit or who they belong to but I have never allowed anyone to open these accounts on my behalf using my personal information. I did not benefit anything such as money, goods, services or any other benefit from these accounts and I did not make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/17 Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I am trying to resolve an issue with the following debt collection agency " TAM/SPEARS DEWITT HALL '' regarding a debt reported on my credit report that I believe does NOT belong to me. I have asked numerous times through certified, return receipt letters to them to please send me copies of original documents. So that I, may in fact confirm if the debt is mine or not. I didn't get a response or the proof I asked for from them. All I received was a letter from XXXX  stating they have verified the debt, but NO PROOF was sent to me as requested. My first letter to XXXX  and " TAM/SPEARS DEWITT HALL '' was in XXXX. I also, tried to call directly the original creditor " XXXX XXXX '' and was told I had to deal directly with the collection agency. I'm at a lost and don't feel like either one is able to give me answers or provide me with the PROOF I have requested and should be entitled to by law. Please help me, I do not know what else to do or how to resolve this issue. In total, I have sent three letters to them in my efforts to resolve this matter. 
XXXX  FILE # XXXX
Product: Credit reporting or other personal consumer reports

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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 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 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 XXXX XXXX sent letters in mail back in 2021 certified mail. Experian will not remove even though i advised of non delivery and who did you verify with because advised in letter correct address but still have an address not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago. 
And now they are wanting another 60 days?? 
I believe my rights are being violated in accordance to the 611 and 623 FCRA. 

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.